BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-30
Company: DriveTime
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.

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 2016-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I USED MY VA BENEFITS TO PURCHASE OUR FIRST HOME HERE IN XXXX. AFTER SOME TROUBLE WITH THE MORTGAGE BEING BOUGHT BY PENNY MAC WITHIN 15 DAYS OF MY SIGNING THE PAPERWORK, AND WHO DID NOT INFORM ME WITHIN THE ALLOTTED TIME THAT WAS NECESSARY, WE THEN WERE CONTACTED BY A XXXX XXXX, A Senior Counselor FOR XXXX ( Cell:XXXX, Dir or Txt : XXXX T : XXXX xXXXX F : XXXX Email : XXXXXXXXXXXX | XXXX ) WE PAID {$3500.00} TO THIS PERSON TO HELP US REFINANCE/MODIFY OUR LOAN BECAUSE WE WERE PAYING 4.25 % INSTEAD OF 2 % THAT WE WERE TOLD I SHOULD BE AS A VETERAN. HE THEN IN TURN SUPPLIED US WITH " ATTORNEYS '' TO HELP US WITH THE MODIFICATION. THEY WERE : XXXX XXXX ( tel : ( XXXX ) XXXX x XXXX XXXXXXXXXXXX ) AND HER PARTNER XXXX XXXX XXXX ( XXXX ) XXXX x XXXX ( XXXXXXXXXXXX ) WE HAVE ALL THE DOCUMENTATION, EMAILS AND PROOF OF ALL CONTACT WITH THESE PEOPLE.THEY DID NOT REPRESENT US AT ALL!! WE FILED COMPLAINTS WITH THE DA 's OFFICES IN CO AND IN CA. WE HAVE ALL THE DOCUMENTATION. 
OUR HOME WENT INTO FORECLOSER WITHOUT ANY HELP FROM THESE PEOPLE, WE FOUND OUT THAT THEY PRETENDED TO BE MY WIFE AND MYSELF WHEN PENNEY MAC TOLD US OF THE PHONE CALLS THEY RECEIVED FROM US DURING THE TIME WE WERE NOT ALLOWED TO CONTACT PENNEY MAC. PENNEY MAC WOULD NOT SUPPLY US WITH ANY PHONE RECORDS WHEN WE ASKED FOR THEM. XXXX HERE IN COLORADO TEL XXXX ( XXXXXXXXXXXX ) STOLE OUR HOME KNOWING THAT WE FILED A MORTGAGE FRAUD AND IDENTITY THEFT CHARGE AND REPORTED THESE PEOPLE TO OUR LOCAL DA OFFICE, WHO THEN IN TURN TOLD US TO CONTACT YOU. WE WANT OUR HOME BACK!! 
THESE PEOPLE STOLE OUR MONEY AND THEN OUR HOME. XXXX KNEW OF THESE SCAMMERS AND STILL TOOK OUR HOME, WE DID N'T HAVE A CHANCE TO GET THIS RESOLVED BEFORE WE WERE FORCED TO LEAVE. MY WIFE AND I LOST OVER {$100000.00} OF SUPPLIES, STORAGE, AND TOOLS, RENOVATIONS FOR MY WIFE 'S XXXX TOTALED IN EXCESS OF {$75000.00}. PLUS OTHER MODIFICATIONS WE DID ON THE HOUSE XXXX WE LOST OVER {$100000.00} OF EQUITY IN THE HOME. 
WE HOPE YOU CAN RECTIFY THIS LOSS BY GETTING THESE PEOPLE TO REIMBURSE US THE MONEY THEY STOLE AND OUR HOME. MY CREDIT IS TRASHED BECAUSE OF WHAT THESE PEOPLE DID. WE CAN NOT BUY ANOTHER HOME FOR 3 YEARS AND MY WIFE IS XXXX AND RENTING A HOUSE HERE IS TOO EXPENSIVE.AND IS GOING UP BY {$1000.00} PER MONTH XX/XX/XXXX. WE HAVE ALSO BEEN TOLD THAT WE STAND A GOOD CHANCE OF GETTING OUR HOME BACK AS WE WERE VICTIMS OF FRAUDULENT ACT, WE CAN NOT AFFORD AN ATTORNEY AND CALLING COLORADO LEGAL SERVICES HAS GOTTEN US NOWHERE.. 
PLEASE HELP US, AS MY WIFE 'S HEALTH IF FAILING. 
WE WANT OUR HOME BACK!! 
PLEASE HELP US. 
YOU MAY CONTACT MY WIFE ON XXXX OR ME XXXX. 
MY WIFE CAN GIVE YOU ANY FURTHER INFORMATION YOU MAY NEED. 
THANK YOU XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Capital Management Services, LP
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-04
Company: BlueChip Financial
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-04-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
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 discharged in bankruptcy

Complaint:
I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my XXXX 2016 Mortgage Statement from Ocwen and noticed that on XXXX XXXX, 2016 they added a {$500.00} fee, listing it as Charge - Property Maintenance Expense Payment. I have never had this fee and my house is perfectly maintained so I contacted Ocwen and they forwarded it to the Research Dept. after a week and a half they forwarded me a copy of the {$500.00} invoice from XXXX which is a company within OCWEN who deals with foreclosures and other property related fees and it said date completed was XXXX/XXXX/16 and listed as : Registration Cost / XXXX and this did not answer any questions. It goes from a Property Maintenance Cost to now a Registration Cost? I contacted XXXX who advised me to contact Ocwen Property Preservation Dept. and after several transferred calls I was advised it was a Municipality Fee ... They said it came from XXXX XXXX County possibly thought they did not give any specifics. I contacted XXXX XXXX County Tax Collector, Property Appraised etc as well as the City of XXXX XXXX and all advised me that they would never charge {$500.00} and in their opinion this is a bogus charge. Ocwen tried to dismiss it as a one time municipality charge yet they will not provide any proof other then from their own company XXXX. 
I also noticed that there was a {$70.00} fee charged to the investor at the end of the month and I am not sure why this would show up on my account. They provide no answers and I want the {$500.00} fee removed immediately. 

My mortgage has always been in good standing and do not need to have false charges added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a mortgage with Ocwen Loan Servicing. Refinanced loan, payoff was for more that owed on loan. Refund seems to be {$800.00} to {$1000.00} less than it should be. Ocwen will not give me an accounting of check amount. They are non responsive, called and emailed XXXX times with not response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During my time with Ocwen Mortgage, they changed my monthly payments to Bi-monthly. Once this occurred it seem like every month I would receive a late payment before my payment was even due. A few months they had reported me late before the XXXX of the month. I have been in contact with them several times and each time the answer is different. I currently sold my home but cant get a new loan due to them falsely reporting on my credit report. when I try to get this resolved I get the run around. When I finally got a phone number to call its to a pizza place. Every review online is the same thing. The people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Receivable Management Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
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:
Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is with the holder of my FHA mortgage lo an, Chase Mortgage. They have switched me from one contact to another and from  department to department. They have told me they would work with me after I missed some mortgage payments, then when I tried to get help gave me the runaround. After they finally completed a review based on outdated information they told me that if my situation changed that I could be reviewed again. After my situation changed I began trying to get them to open a new review, but have not been able to make any progress. Instead of being reviewed for FHA homeowner assistance programs I am going into foreclosure.     My father in law bought this home in  XXXX  and the following year I was able to qualify for this FHA loan to purchase the home and put it into my name. My wife and I live here with our  XXXX  children. I had worked for many years running a food truck, but this was a very seasonal business and it was hard to stay afloat. I began missing mortgage payments in  XXXX  and reached out to the team at  Chase for help.  They told me I could apply for a modification, and I completed all of the paperwork and submitted it, but was later told it was denied due to insufficient income. A few months ago I changed professions and started working as  a contractor. My wife has been employed as a literacy coach for 10 years and she makes a good wage. The self-employed contractor job was very slow at first for me, but now things are going good. I have tried to get Chase to take another look at our current financial situation but have run into roadblocks. My designated contac t changes every few weeks. An actual review of the last few months financial information has never been completed by Chase, and I just get the runaround when I call in.     I am now being pushed into foreclosure by  Chase, and feel this is wrong, because Chase is required to conduct a review of my  current and correct financial information in order to assess eligibility for all FHA government loan programs such as modification, partial claim, forbearance, repayment plan or restructured loan.     I am trying to get  Chase to work with me and follow the rules and escalate our file and initiate a review so that we can get back on track with our payments. With the changes in our financial circumstances I am certain that we qualify for assistance, the issue is that Chase has f ailed to give us that chance, and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX

Company response to consumer: Closed with explanation