BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
COMPLETE LACK OF COMMUNICATION FROM MORTGAGE COMPANYI 've had a hardship over the past year and a half, and had my salary cut by over {$XXXX}. Our house was in foreclosure and the redemption period ended XXXX 2015. After submitting all documents requested for mortgage assistance with OCWEN and receiving a letter ( XXXX/XXXX/2015 ) listing all our options with OCWEN, we started the process immediately for a short sale. We had a young couple make an offer on the home in late XXXX early XXXX they were excited and had a significant down payment. Our realtor XXXX XXXX from XXXX XXXX XXXX had us fill out the OCWEN short sale paperwork and he submitted it to OCWEN per their request. He had spoken to OCWEN rep, XXXX XXXX XXXX. XXXX spoke to her in early XX/XX/XXXX-she stated that she would get back to him in 2-4 days. That was the last time XXXX heard from her. XXXX tried emailing her at least XXXX times and calling her and leaving her messages a XXXX times. I also called her XXXX in XXXX and left her long messages-pleading with her to give us an answer one way or the other and that I had children and a wife and needed to know if we could sell the house or stay or should look for a rental home. No response. It 's very frustrating and sad that she could not even call us to let us know anything. I 'm disgusted by the entire process. We 've shut off the gas, electricity and moved out by the redemption date. Still, no response and the house is sitting cold and dark. OCWEN had an opportunity to sell the home and did Nothing. I 've plead with the OCWEN rep, XXXX, to no avail. We were also frauded by a foreclosure company and lawyer in XXXX MI. The MI Attorney Generals Office is conducting a criminal investigation. The lead Investigator is XXXX XXXX XXXX-Supervisor with the Mich A. G. 's office. I am beyond frustrated. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, Diversified Adjustment Service Inc sent me a letter by mail stating they were attempting to collect a debt and that I had 30 days to respond. On XX/XX/2021, I responded to Diversified Adjustment Service Inc via a letter asking to see the information that they said I owe. I never received the information I asked for regarding this debt that they say I owe. Then on XX/XX/2021, I got an alert from the credit bureau showing that Diversified Adjustment Service Inc put a collection on my account in the amount of {$600.00} for XXXX. I do not have a XXXX account and have never had one. Diversified Adjustment Service Inc reported this unknown, now known, debt to the credit bureaus before the 30 days that they said I had to verify the debt. Their unfair action resulted in my good credit score being lowered. I immediately called XXXX and told a manager what happened and it turned out the debt was not mine but my brothers who happened to have the same last name as mine. My brother paid this debt with XXXX some time ago and I want this inaccurate collection removed from my credit report. I feel that this collection agency is not fair nor right in how they handled this situation and they do not seem to have respect for their own business policies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Resulting from an ID theft in XX/XX/XXXX while in XXXX, we were compelled to file a Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. The Bankruptcy Court defers to State jurisdiction on homestead exemptions. In XXXX that exemption is {$170000.00}. Ocwen refuses to acknowledge this provision in bankruptcy and will NOT report my payment history to the credit bureaus even though they have that obligation. As a result of this egregious conduct, out credit report would suggest we are homeless as there is nothing to show our payment history. We can not apply for a refinance based on the lack of credit reporting by Ocwen. I have documentation from the Ocwen Web Site that shows that I am current, but is recorded as having no payment history. Our loan originated through XXXX Mortgage and placed with XXXX Mortgage. The loan was then acquired by the XXXX XXXX XXXX and ultimately transferred to Ocwen. Ocwen 's refusal to report payments to the credit bureau has immeasurably compromise our ability to reestablish our credit worthiness and denies our ability to acquire a new loan on a replacement home as we are bound but the irresponsible conduct of Ocwen. We have never missed a payment nor assessed a penalty of any kind or description. Yet, we are being victimized for paying as agreed by a misinterpretation of the rules of Bankruptcy Court. I was told by Ocwen, that this is their policy nationwide. Stating that we did not reaffirm the mortgage and there for they can not and will not report our payment history to the credit bureaus or even verify payment history when asked by a lender. Please help as we have lost the right/ability to enjoy all of the entitlements of home ownership by the inappropriate conduct of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I sent Ocwen Loan Servicing , LLC a QWR letter via certified mail. 
On XX/XX/XXXX, I received the green certified mail receipt confirmation signed by an agent for Ocwen and stamped " XXXX XXXX ''. 
I have not received any other written communication from Ocwen acknowledging the receipt of the QWR. Does this certified mail receipt constitute acknowledgement " withing 5 business days '' or are they required to send a letter to me? I want to ensure that they are complying appropriately with their servicing responsibilities, but I do not want to harass them unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I previously filed a complaint about Bank of America and its failure for over 2 years to close my accounts. They responded with a factually inaccurate response and ignored the original complaint. They continue to leave accounts open or allow new accounts to be opened without verification of authenticity. I want all accounts in my name closed now and forever and I do not want to have to call them again and navigate their ridiculous phone system that puts me on hold for hours with zero resolution. I will never give another dollar to Bank of America again, they do not care one bit about their customers.

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 2015-10-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The amount left on my loan for XXXX 2015 is XXXX. I made my mortgage payment for the month of XXXX 2015 in the amount of XXXX. That was suppose to be used for the monthly payment of XXXX and a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. [ # XXXX XXXX When I received XXXX 2015 payment in the mail the amount left on my loan was XXXX which was correct. I made Octobers payment [ check # XXXX XXXX in the amount XXXX, which was broke down as XXXX with a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. Now at this point when XXXX payment was made the amount of my loan should of dropped below XXXX. But on XXXX my account on XXXX website shows that my loan amount is XXXX and that same amount is shown on my XXXX 2015 payment coupon I received in the mail. THIS IS CLEARLY WRONG. On my XXXX statement it shows a XXXX amount and XXXX unapplied funds. My Account on line shows that my next payment is n't due until XXXX 2015, so it appears that Ocwen went into my account reversed my principal payment and applied it towards the following months mortgage. I have tried to settle this with Ocwen XXXX different occasions, on the first occasion they sent me a letter that makes no sense at all. In that letter they say that I " requested them to provide the payment option available on aforementioned loan and breakdown of each payment option. '' They still have not responded to my second request. Ocwen has also raised my interest rate from 3.87 % to 4.00 % I am not aware that the feds have raised interest rates as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Approved for permanent modification with ocwen loan servicing, One day you call them and they say there are no fees owed.. The next day you call them there are fees. Inspection fees ... .What are they inspecting? and why do they charge me for this. Additionally, paid all trial payments on time, credit report reflects current for those months. After trial period was over still making payments now credit report says 180 days past due. Called ocwen and they say I 'm current. Their own website does n't even reflect this it says I 'm XXXX past due. Who am I supposed to believe. Need to hire lawyer in order that they accepted my documents for the modification. They turned down the documents XXXX times before I got the lawyer and threatened to sue. Getting really tired of dealing with this company. They are very unorganized to the point that it 's obvious. There are so many discrepancies for my account on their website that it 's laughable .... There are numerous different amounts stated that I owe. Let me see ... Eeny, meeny, miny, moe which one shall I choose. Only in business to rip good hardworking people off. This company is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN MORTGAGE CONTINUES TO HARASS ME AND REPORT FALSE INFORMATION TO THE CREDIT BUREA THAT IS NOT TRUE. I WAS IN CHAPTER XXXX FROM XXXX XXXX UNITL XXXX/XXXX/XXXX OCWEN MORTAGE BROUGHT MY MORTGAGE XX/XX/XXXX THEY ARE REPORTING MY MORTGAGE LATE 30 DAYS AND 180 DAYS MY ACCOUNT HAS NOT BEEN LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. 

Please see the attached. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-12-22
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: NRA Group, LLC
State: MO
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 get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Express Cash Mart Management
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2015-11-18
Company: Express Cash Mart Management
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I personally saw XXXX XXXX XXXX and XXXX XXXX went in my mailbox to steal my mail. I believed they stole my first edd card because I waited almost 5 weeks to get my first card which I activated in XXXX. Same month the card was issued out. How can I have XXXX transactions? I brought this to their attention for months until i was told the transactions are too far back to dispute. These little worthless kids have victimized my family for years and many more people were victimized I'm sure of it due to the fluency of their crimes. They were helped by XXXX XXXX who fraud my dead dad for 20 years. He didn't want to get caught so he set my whole family up allowing anyone to take advantage so in case he gets busted, it's way too many people to get in trouble.

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 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.

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 2015-10-21
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: INVESTORS BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Investors Bank in NJ changed the type of checking account I have without my consent because they said they eliminated my type of account. They did not give me 30 days advanced notice before this change took place. The new terms on the account began on XXXX XXXX, 2016 the letter telling me there would be a change was received within the same week. I have had my account for 8 years and was not charged by Investors Bank if I used an ATM that they did not own. Now I am being charged {$3.00} for each of these types of transactions over XXXX. In the first two weeks of this change I have already been charged XXXX fees and the bank did agree after some arguing to reverse XXXX of the XXXX fees. Had I been given the advanced notice I may have chosen to look for a new financial institution since the only ATMs that will now be free are the ones Investors Bank owns, which there are about XXXX only located in the state of NJ.

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