BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.

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 2017-01-23
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used the money gram money transfer to send money to an account directly on the XXXX/XXXX/2015 but my receiver did not get the funds.I got in touch with money gram to find out why the money was not transferred but they insist that from their records the transaction was successful which of course is not the case since no funds have been delivered in the account I sent money to.I requested for the proof of the transaction and they promised to send it to via email within the week but they didn't.I called again and they are still telling me the same thing to wait another week with no grantees.I got the impression that they did n't want to be bothered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX XXXX. I had a loan no XXXX with M & T Bank ; I requested a payoff by e-mail because is one the option I have to get the pay off. Bank e-mail me back asking me to submit my request in writing. I fax my request in writing. When I received the payoff the fee for the letter was a {$100.00}. I called customer service and request fee to be waived because I was not informed for cost to produce the letter. Under Fair and Responsible Lending and Servicing I was not informed of any fee so I could not make an informed choice. I am a XXXX with thick accent, when I called customer service ; I was treated like a second class citizen for customer service representative making me feel like a second class person. I believe that customers have the right to be informed of any fee that we have to pay before our request is completed. I really believe that M & T bank do n't like to deal with people with accents or other ethnicities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CFPB Case XXXX Ocwen 's XX/XX/XXXX response does not respond to the facts and is a continued falsification of the facts. First, Ocwen 's claim of having received our mortgage is FALSE and could not have happened as they claim based on XXXX documentation and facts. XXXX transferred our mortgage to Homeward/Ocwen in XXXX KY and not Ocwen Loan Servicing LLC in FL. Second, we never made any claim to being untimely as the Ocwen letter XX/XX/XXXX claims which is an additional new false statement. Even if Ocwen Loan Servicing LLC in FL and Homeward/Ocwen KY are the same company or affiliates a new RESPA Notice would be required to change the mortgage payment name and address from XXXX different names and XXXX different addresses XXXX in KY the other in FL. I believe the CFPB should compel Ocwen FL to prove they obtained servicing from XXXX in XX/XX/XXXX or leave us alone. Where is the RESPA Notice changing XXXX in TN to Ocwen Loan Servicing LLC in FL? Where are the Transferor and Transferee RESPA Notices showing the same information? The XXXX XX/XX/XXXX Notice and the Ocwen XX/XX/XXXX Notice has entirely different information which means it is invalid and false. I could n't find Homeward/Ocwen in XXXX KY anywhere in the Ocwen correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was illegally sold by GMAC mortgage to Ocwen Loan Servicing to attach credit card default judgement debt without my consent. My interest rate and insurance remains too high though I continued to pay regularly for more than five years. I receive offers to refinance to lower monthly payments but I do not want to refinance because I do not want additional debt. Rather, I want my mortgage loan to be paid down much faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
approximately 2 years ago I was approached by someone from our bank where we had personal and company accounts for the last 8 years, namely wells fargo, to open a credit card account. at the time I thought that they were very helpful because 8 years ago I had filed for bankruptcy, and it was very difficult to restart my credit worthiness. 
they opened my account with XXXX credit line, 6 months ago they increased it to XXXX. 
in the apprx 2 years that I had the card I never went over my limit. I never was late in payments and always paid in full. the card has a 1 % reward and I was able to amass a total of XXXX which we left in the account ( what a fool I was ). 
on XXXX XXXX 2017 we received a letter from wells fargo stating that the account was closed immediately as of XXXX XXXX. I called customer service and after having been passed to XXXX different depts. I was told that XXXX account was closed and they did not have to explain why and that the XXXX that I had as rewards were also not available. 
I believe that 1. they should have given me the possibility of claiming the rewars 2. been able to tell me why they closed the account since my credit is at XXXX with no negatives other then the bankruptcy of 8 years ago..

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: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.

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 2021-05-09
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I reached out to XXXX XXXX and Equifax to inform them of an account that is not validated by me and is in violation of 15 USC 1692g. The law states I was supposed to be notified within 5 days and I was not. This is a violation of my rights and I want this removed off of my credit profile, as I am the original creditor and I do not validate this debt. It has been over 60 days since I sent in my dispute and I have not received any responses and I feel as if I am being taken advantage of. This is causing me much distress and I have no other options of getting this removed from my account and I am seeking litigation on this matter, in order to remove this invalidated item off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: First Associates Loan Servicing LLC
State: PA
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 graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans. 
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Why is Ocwen sending me statements for a mortgage paid in full and Why have n't they released the lien in my house? 
They need to collect the {$260000.00} and {$60000.00} from first XXXX and {$35000.00} from XXXX paid twice and arrow and ozark financial who had NO security interest in any property I EVER owned and any funds paid to XXXX after XXXX. ANY funds paid to XXXX XXXX that were not directly paid to the amount shown on the statements I received from them. REFUND WITH INTEREST ALL payments to XXXX XXXX or any payments made to my duplex at XXXX XXXX including escrow payments that are NOT included in the loan on my HOUSE. OR ANY Duplicate payments EVER made. By anyone to my property.and including any payments made to properties I DONT own. 
I had a {$260000.00} loan to which I paid {$360000.00} and {$510000.00} to the loan I paid off. 
I paid all of the principal balances back to all of the prepaid credit and interest ito the amounts added to my mortgages. I did n't owe interest on any escrow added back to my loan. The field adjustments added to the modification on my house were already paid to XXXX XXXX XXXX, XXXX XXXX and midland. I do n't want to borrow HAMP incentives and I want the payments I made to XXXX applied to the 2004 payoff and {$23000.00} I did n't owe XXXX and credit for the payments made to XXXX XXXX for the {$32000.00} field adjustments plus the {$9400.00} escrow and any other part of the {$41000.00} payoff on my duplex. 
I want credit for all of the {$49000.00} and {$18000.00} paid to XXXX and {$5700.00} + {$33000.00} paid to XXXX and {$24000.00} + {$15000.00} paid to XXXX I WANT CREDIT FOR ALL OF THE {$840000.00} cash payments I made to XXXX properties serviced by Ocwen ( for the final servicers of loans with ; XXXX XXXX and XXXX XXXX ). 
And the funds from the foreclosure of my duplex with any escrow used or paid from or by any of these servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them. 

Thank you XXXX 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 2016-05-11
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My original home equity loan was with GMAC. Everything with them was perfect. GMAC sold the loan to Ocwen a few years ago. Ocwen handled the loan correctly at first, but for the past three months they have sent me monthly emails telling me that they have received my loan payment. I did n't request this, and I do n't need this, since I can tell from XXXX Ocwen 's website and from my checking account bank that the payment has been made. I would n't mind about the extra confirmation, except that Ocwen puts my full name, property address, and complete loan number in the unsecured email. I have called and emailed Ocwen several times, but the people I talk to do n't understand XXXX well enough to fix the problem. When they send me an email to discuss the problem, they put my full account number in it as well! The latest CSR told me to remove my email address from my profile, which is n't possible to do. 
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
3 to 4 yrs ago, XXXX XXXX transferred its Equity Line of Credit loans to Ocwen Servicing Center. Beginning in XXXX, 2013, up to present I have repeatedly requested that any access payment made above my regular payment be applied directly to the Principal. This is not being done. Instead, when i call to make the next months payment to make the interest payment ( as the account is set up to pay interest only and any overage going directly to the principal ), but because the overage paid from the month before is not being applied to the Principal, an incorrect interest amount is being shown due to Ocwen 's failure to apply the funds to the Principal. This is an on-going issue and i have been to Supervisors, Managers, the Escalation Dept., etc. and this problem has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand in the amount of {$1800.00}. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent XXXX XXXX XXXX XXXX and mortgage company Ocwen , was not communicated to me. After the loan closed in XXXX 2015, Ocwen issued a check to XXXX XXXX for {$1800.00} which I did not authorize nor was informed of. Current mortgage company XXXX acknowledges this account is not escrowed from inception date. There was an active and paid Homeowners policy in forced at time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Pendrick Capital Partners Holding, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phone number XXXX identifying themselves as https : //affiliateas.com/ Called me on XX/XX/XXXX demanding personal information to collect an alleged debt that was paid at the time of service in XX/XX/XXXX. Refused to send me written notice of the debt and demanded date of birth to even discuss any aspect of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CURO Intermediate Holdings
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX. 
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned. 

I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner. 
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief