BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Lawsuits will include the following1. Predatory lending in XXXX. Extortion from XXXX through present asking for more money than that was supposed to be3. Claiming from XXXX through XXXX I was not eligible for a government we modification when in fact I was4. Fraudulently given an in-house loan instead of the requested and approved government loan5. Monies were transferred from XXXX home mortgage which were incorrectly forwarded to XXXX residential and should 've been returned to me which never were6. Tens of thousands of dollars sent in as payments monthly payments which never were posted and reposted to principalLoan which originated into XXXX at {$150000.00} now double {$300000.00} even though I made 20 years of payments. fraud and corruption and extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
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:
Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification with Ocwen. Over the last three months I have been given conflicting information. Some examples of this are : 1. On XX/XX/XXXX I spoke with Loss mitigation rep XXXX ID # XXXX. She confirmed she received my profit & loss statement through XX/XX/2016. On XX/XX/XXXX XXXX XXXX ( XXXX ) ID # XXXX told me they never received any profit and loss statement from me and it needed to be resent. 
2. On XX/XX/XXXX I spoke w/ XXXX ID # XXXX who told me I needed to send in a new RMA and paystubs and an explanation for a discrepancy ocwen claimed was in the YTD of my payroll ( they refuse to send this 'discrepancy ' in writing so it can be reviewed. I see no discrepancy and neither does my payroll manager. ) on XX/XX/XXXX XXXX ID # XXXX told me those documents were never requested. 
3. On XX/XX/XXXX I asked XXXX # XXXX to escalate the file as I felt I was being given false information and there was a lack of competency on the part of Ocwen and my modification. She said she did n't know how to do that or what that was. After I told her I was going to complain to the CFPB, she told me she COULD escalate the file. She refused to comply until threatened with the complaint. 

Basically, Ocwen is fighting me tooth and nail because they want to illegally foreclose on my home. They so far refuse to review me for loan modification in good faith. I have been lied to given false information over and over. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan mortgage was purchase by OCWEN and its been the worst ever. Today I got a letter/statement saying my mortgage payment was going from XXXX to XXXX due to Escrow Balances and taxes going up. I called them and all I was told that they were sorry and that they could send me form based on approval to lower my increased by 2 % and I 'm paying 10 %. I wanted a refinance but they would not do that no reason given. I 'm retired and I can not afford any more increase on my mortgage this has been the worst ever. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: R.M. Galicia, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX XXXX University in XXXX XXXX, XXXX. To fund my education, I received XXXX loans through Sallie Mae ( later XXXX ). Over the course of my loan payback period following graduation, I attempted to make extra payments toward the principal of the loan. Each time, the additional amount paid would be applied toward the interest, or the following month 's payment. After several calls and emails with their customer service department, I was told I would need to submit my payments by check, with a hard copy of a signed letter ( each month ), directing the additional funds be applied toward the principal. Each month. With each payment. For several months I did exactly this, sending a physical check and signed hard copy of my request with my payment through USPS. The payments were never applied correctly ( not once ) but still were applied to the following month 's balance due. After a while, I just gave up and settled in for the life of the loan paying only the minimum due because I did n't have the time or resources to send a hard copy letter and check each month. I have email correspondence between myself and Sallie Mae to support everything I have stated here ( email exchange attached, as well as letter I had to send with my payment month - still unsuccessfully applying additional payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. 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 2015-05-31
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: First Associates Loan Servicing LLC
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX and XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1.No payment history from XXXX. 
2. Payment status states " Charge off '' however in the remarks account states Paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Sentry Recovery and Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.

Company response to consumer: Closed with explanation