BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-31
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! 
p.s. This is a flexible mortgage, too. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently signed a Modification Agreement with my lender in XXXX 2016 ( see attached ). I then paid the three month modication term for XXXX, XXXX and XXXX, 2016. They stated if after I made all trial period payments, they would review my status to see if I was accepted for the Final Agreement modification. I did indeed complete the trial period and they sent me the Final Agreement stating I was approved. When I did received the Final Agreement for signature, I was then and only then informed that there would be a $ XXXX balloon payment. This was a shock to me as I was not informed of this before I signed the Modication Trial paperwork. I have not yet signed the Agreement as I am worried that this may not be in my best interest and am unsure of where to go from here. I have not made any payments on my house since XXXX as I am also unsure if this money will get applied correctly because I have not yet submitted my Final Agreement. Also, I have asked my lender for a breakdown of how they came up with the $ XXXX balloon amount and have not yet received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number 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 explanation
Consumer complaint received 2016-09-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested our mortgage lender, OCWEN Financial, cancel our PMI because we should be qualified to do so at this time. I have emailed them 3 separate times and they have continued to ignore my requests. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.

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 2016-05-13
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We acquired a loan XXXX/XXXX/2012 in the amount of {$100000.00}. The cost of our house was {$110000.00}. We currently only owe {$36000.00}. I have never been late on a payment and my credit score was XXXX when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost {$500.00} before they will remove our PMI. I think it 's unfair to make us pay an additional {$500.00} when our current LTV is XXXX %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the XXXX % LTV?

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For almost 10 years now I have been fighting to clear my name with reference to a foreclosure action on a house located at XXXX XXXX XXXX, XXXX, NY XXXX and various other financial defaults related to a XXXX XXXX XXXX, a former occupant of this house. I have had to deal with collection agencies, utility companies, the XXXX, and over and over again, Deutsche Bank National Trust Company, who may or may not own the note for this home. My finances, my credit rating have been adversely affected, and to say this has been a nightmare would be the understatement of the century. Once again now I am being contacted by XXXX XXXX, a process server for the bank, there has already been one individual at the house trying to serve me papers, and it needs to end. I have spoken to an attorney about litigation of all parties concerned, but in the interim, this activity on the part of these creditors needs to cease. Not only is this continuing to be a financial burden on my, but the emotional and physical toll this is taking on me can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. 
XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: HW Holding, Inc
State: FL
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 problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a dispute letter on XX/XX/2022 its been 30 something day and still haven't heard nothing back from the credit bureau. This the third time in 6 months and they not responding on time

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 2016-05-16
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called the loan provider ( Ed financial ) at the end of XXXX to get a refund for the student loan I paid off during covid. I was quoted 150 days. My brother-in-law went through his loan provider ( XXXX XXXX ) on the same day as me to complete the same process of getting a refund. He had reached out to his provider at the end of XXXX, they were able to cancel the initial submission and redo it, and his account balance was brought back to the pre-paid balance two days later. I called Ed financial to see if we could do that to get my refund so I can submit my application for forgiveness and was told no. They dont have any update on the process and they cant do what I want them to. My brother-in-law called his provider yesterday because the dollar amount was not above XXXX XXXX, and today the new balance is reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.

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 2016-03-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you

Company response to consumer: Closed with explanation