BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX. 
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down. 
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment. 
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EDvantage LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made payments to Tuition Options for a loan not covered by XXXX XXXX as explained by the financial department by the now Closed XXXX XXXX in XXXX, CA. I personally XXXX payments of XXXX and XXXX payments of XXXX. I called Tuition Options, and they said my account was now closed and they did n't know how or if I would get my money back. 
I received a letter saying my student loan would be discharged and payments that I had made to XXXX would be refunded. Well in XXXX I was refunded XXXX payments of XXXX, and XXXX payment of XXXX. I called the department of education in XXXX, CA, The Bureau For Private Postsecondary Education, Consumer Financial Protection Bureau, and the Student Aid Commission. Each one of them could not do anything for me. They all had me call other numbers. I explained that the school was now closed, and no one seemed to have an answer for me. Since I received refunds from my big student loan, why ca n't I received a refund from Tuition Options. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Debt Recovery Solutions, LLC
State: KY
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:
XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank owns a property in a Homeowners Association in XXXX XXXX XXXX. The foreclosure process has been completed, but the bank has failed to upkeep the home. US Bank secured the property in 2014, and it is the Association 's understanding that the property is now under the management of XXXX on behalf of the bank. After several attempts to contact the bank, the Association 's management agency was contacted by XXXX regarding property violations that were outstanding. The Association explained the process to rectify the violations, but it has now been over six months and the property 's appearance remains less the slightly. The Association has received several complaints from members of the community and owner 's are worried that the aesthetics are effecting the property values of the surrounding homes. Despite multiple letters to US Bank and attempts to contact XXXX, requests go unanswered and the property sits just as it did during the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing LLC offered a " PERMANENT '' modification for my mortgage which was for a specified a fixed rate ( not the current ARM ). The paperwork was to be sent back to Ocwen by XXXX XXXX, 2016 with the initial payment due by XXXX XXXX, 2016. I sent the paperwork AND the initial payment of {$410.00} by XXXX. It was delivered on XXXX XXXX and the payment was posted on XXXX XXXX as a " forbearance payment ''. Now Ocwen has changed it to a " TRIAL '' modification plan and sent a letter today ( XXXX XXXX ) saying I have missed a trial plan payment! Everything said the next payment of {$410.00} was due on XXXX XXXX, 2016. How could a payment be missed already, just 2 weeks later? I was to make a payment by XXXX XXXX and the next XXXX XXXX. They want XXXX payments now before XXXX XXXX. This is a bait and switch tactic and it appears they have been doing this for a while now, according to the website XXXX. Many Ocwen mortgage holders seem to have experienced the same thing, receiving paperwork that indicated one thing and then more paperwork saying something else, or seeing their account on the Ocwen website say one thing and seeing it changed to something else a day later! They are playing games with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, I contacted my then-mortgage company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX because I received a property tax bill from XXXX XXXX. After speaking with XXXX XXXX representative, I was told by a representative from the mortgage company that property taxes were paid on my behalf, & to not worry about it. At the same time, my loan was being sold to The Money Source, Inc. ( TMSI ). On this same day XXXX XXXX/XXXX/15 ), I contacted TMSI as well to ensure they had the same understanding regarding my property taxes. A TMSI representative said not to worry about it. That was over one month ago. This past weekend ( XXXX/XXXX/15 ) I received the usual monthly mortgage bill from TMSI but with an increased monthly balance of {$200.00}. Today ( XXXX/XXXX/15 ) I called TMSI & a representative said my escrow balance was negative. TMSI never sent me an escrow analysis, nor did they forewarn me that my monthly mortgage would increase. I was shocked to found out less than two weeks prior to the due date. This same representative said they paid my property taxes & that was why my escrow account was negative. This same day ( XXXX/XXXX/15 ) I called XXXX & XXXX XXXX only to find out XXXX XXXX was paid twice - once by XXXX & once by TMSI. TMSI completely ignored my original call on XXXX/XXXX/15, & did n't bother to confirm with XXXX or XXXX XXXX that my property taxes were already paid. A representative from TMSI then said I would have to search for the missing money, continue to pay the increase monthly mortgage amount, & then request a refund. TMSI should request a refund from XXXX XXXX, not me. In addition, I should not have to pay for TMSI 's mistake. TMSI failed to perform due diligance & then expected me to fix their error. TMSI did n't even know they had duplicated the property tax payment until I notified them. Now TMSI expects me to pay extra each month while I clean the mess they made. TMSI should fix their own error, apologize profusely, & expect the usual monthly mortgage payment from me ( instead of expecting me to pay an additional {$200.00} each month ). TMSI lacks any level of professionalism. When I attempted to explain my situation to XXXX in TMSI 's tax office, he said if I had a problem with XXXX XXXX that I should contact them directly. The problem is not between me & XXXX XXXX. In addition to a huge lack of professionalism & business integrity, the problem of miscommunication exists between TMSI, XXXX, & XXXX XXXX. I contacted all three entities on XXXX/XXXX/15 to avoid having this very issue arise over a month later. In addition, TMSI should be penalized by having to pay a reasonable fine & be placed on indefinite probation. Thank you. [ TMSI individuals I spoke with on XXXX/XXXX/15 : XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing in regards to my mortgage company ( Loan Depot ) failing to pay my taxes for my property and a tax lien was placed on all XXXX of my credit reports due to their negligence. I escrow my taxes per requirement of my mortgage and Loan Depot in return is required to pay my taxes for me. I only knew of my taxes not being paid because I tried to take additional credit out for a credit card and was denied due to a tax lien being placed on my credit report. I have contacted the loan depot a number of times ( via : phone and email ). They have not helped me what so ever. I have tried disputing this through the credit reporting agencies and they have denied my claims because loan depot has not contacted them to state this was at their fault and not mine. I have provided everyone any and all information to prove this was not my fault but still I am the one who is effected by their lack of responsibility. I have spent HOURS trying to fix this problem and I do n't know what else to do. My credit has been trashed because of this. I need this removed from my credit report immediately and loan depot has not made any attempt to work with any of the credit reporting agencies to fix this problem.

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 2016-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
A charge of {$520.00} from " XXXX '' was entered on my USAA Credit Card on XX/XX/2016. I attempted contact with the merchant and was unsuccessful. [ The 'merchant ' is listed on the url as " XXXX '' with which I have no affiliation, nor have I ever purchased or donated to them. The phone number associated with the 'merchant ' is : XXXX. Reverse Lookup shows it belongs to one XXXX, IL XXXX. I do not know this person ... In the meantime, on XX/XX/2016 I contacted USAA to dispute the charge. Though the charge was reversed, at that time, it reappeared on my XXXX statement. I contacted USAA again to dispute and was told that their investigation was 'unable to determine why you believe the transaction is not valid ' [ This in a letter which I subsequently received dated XX/XX/2016! Attached ] I contacted USAA again to dispute the charge on XX/XX/2016. They, in turn, XXXX a replacement credit card and again gave me 'temporary credit ' for the charge.They also agreed to have someone from their fraud department contact me, within 48 hours, to further discuss the issue. The phone call never happened, but I did notice in checking my statement balance on XX/XX/2016, online, that they had reapplied a credit of {$520.00} to my account. That was the THIRD time ... To my dismay, anger actually, I checked my statement balance online again on XX/XX/2016 and found that the charge was again on my account. 
I have contacted USAA on numerous times in attempts to resolve this issue and frankly do n't know where to turn from this point as those contacts have proven fruitless!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Resurgent Capital Services L.P.
State: NE
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:
I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 
1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. 
I do not want to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Check City Partnership, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Southwest Business Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation