BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: ClearOne Advantage, LLC
State: VA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.

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 2016-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.

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 monetary relief
Consumer complaint received 2015-07-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN MORTGAGE. Ocwen sent escrow shortage notice XXXX/XXXX/15 reporting XXXX {$960.00} amount. I paid this amount in full and payment was credited to my account as Escrow Payment on XXXX/XXXX/15. Received statement dated XXXX/XXXX/15 for XXXX/XXXX/15 payment and Escrow amount was listed as {$370.00}. On XXXX/XXXX/15 Ocwen processed a payment which included an escrow payment in the amount of XXXX {$960.00}, the full payment including this escrow amount was deducted from my checking account. The amount deducted was in excess of @ {$580.00}. Fortunately I had the money to " float '' Ocwen 's accounting mistake. If I did not have the extra funds in my account I may have been charged excessive bank fees, erroneous credit reporting, and ridiculous amount of time and effort for the inept activity of Ocwen. Currently Ocwen is reporting on statement dated XXXX/XXXX/15 I again owe XXXX {$960.00} for escrow. I contacted Ocwen XXXX/XXXX/15 and spoke with Escalated call rep XXXX who is researching my complaint and reports my information is correct regarding the error in the escrow amount and once review is completed I should expect a refund check within 5-7 days ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I 've recently discovered that poor loan servicing by Ocwen for my rental property is causing my credit report to reflect incorrect delinquent payments ; which in turn is negatively affecting my risk profile with financial institution for loans, such as a HELOC. 

I 'm not sure why but it looks like - for some months - Ocwen is not applying my mortgage payments when they arrive from my XXXX account. Moreover, they 're marking my account with delinquency notices. 

I 've enclosed an example of a delinquency letter I received from Ocwen and documentation verifying that I am indeed making mortgage payments that Ocwen is choosing to delay in crediting my account. 

In the attached document, you 'll find : - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that is n't reflected in my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hi my name is XXXX XXXX I live XXXX Ma.. 
We own a home with Ocwen mortgage, When we bought our home we were paying about XXXX a month and slowly Ocwen jumped our mortgage to XXXX a month..yes it does include taxes and insurance..it is very high for us..Sometimes our mortgage is late, ,so our credit score is bad..We ca n't get refaince because of our credit score! ... .we ca n't even sale our homke because, we ca n't buy another! ..We probably will lose our home because our mortgae company does n't care..We work hard, ,and make ok money..we have XXXX college payments each month XXXX cars..etc ... .WE NEED HELP! THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making extra to our principal to our Ocwen loan but the payments are not being applied to principal but to a suspense account. The payments are being applied at a later but not back dated to when the payment was received. Our loan is equity loan and the interest is calculated daily based on the balance. The interest balance is higher to due to improper posting of our payments. On XXXX XXXX, 2016, I sent Ocwen letting them know I was disputing the outstanding loan balance and missed applied payments. As of the date of this letter, I have yet to receive a response from Ocwen regarding my XXXX XXXX, 2016 letter. In addition our interest rate has gone up twice with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had the same issues with NAVIENT with my loan. The loan started at {$40000.00} and now it is over {$120000.00}. Every time I have tried to get some kind of repayment that I could afford I ended up with a forbearance. I then just last year tried to contact them to try to negotiate a one time payoff of my loan to pay off what I originally owed and a bit more to take care of this loan. took me over a month to track someone down to talk to then was told that the loan is actually owned by a foreign company and that they would never negotiate a buyout they would rather I not pay and let it keep growing. This is so sad that I want to payoff what I originally owed to take care of this but they are not wiling to do that. We need the government to step in and help us take of our student loans. I dont want a free ride I want to pay for what I originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Big Picture Loans, LLC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I called this company to take this loan out the lady told me for XXXX $ loan it would be a XXXX $ finance charge. So I agree to that. The documents did not show that it was an 850 % interest rate and that XXXX $ finance charge was every two weeks. Interest alone nothing towards the principal. So I see this place is going to XXXX over and I called to pay XXXX $ towards the loan. So over a week passes by the money still has not come out. So I call and after talking to 3 different people who were very very hard to understand she tells me it will come out on my scheduled payment date. Not mentioning that also they will take out the XXXX $ finance charge again. So payday comes today and they take XXXX $ and I still owe XXXX $ with a finance charge of XXXX $! So in a month I 've paid XXXX $! They make it very hard to pay off the loan. And they wait so they can charge you even more money. This loan was a huge mistake and they were very misleading on how the payments worked and I was not able to see the payment schedule till after I got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a MoneyGram Money Order for {$400.00} on XX/XX/2017 at an XXXX in XXXX, ny to pay part of my Mortage for that month. I filled it out completely to XXXX XXXX INC. XXXX XXXX XXXX, NY XXXX, c/o XXXX. 
I mailed it in the XXXX mail box on XXXX between Springer ave and XXXX on XX/XX/2017.I called the mangers office on XX/XX/2017 to make sure it was received. 
I spoke the manger he said it was n't received, I then called money gram to see what happened to the money order they took the money order number and the amount to check it and told me it was cashed. Now I had to pay {$24.00} for a photo copy of the money order. I went to a money gram in cvs and paid for the photocopy in 2 days I received the photo copy of the money order which was altered by the person whom stole the money. It was clear as day this money order was altered money gram has money orders if altered must not cash you can see on the photocopy it was altered and it was n't signed on the back to cash. The money order was made out to XXXX for XXXX the address used is XXXX XXXX. The money order has the Bank named as XXXX XXXX MN No ZIP CODE I can see this Money Order was altered why ca n't Money Gram investigate this to give me back my money. I filed a Police report with the XXXX Police Department 2nd PRECINCT but they 'll not even doing their job Investigating officer # XXXX my complaint # XXXX I gave the officer all the documents he asked for to no avail I 'm still have no help in this matter. I call the police they said it nothing they can do, because No one wrote up the report, Lazy Officers!!!! That 's not right I was robbed of this {$400.00} it sure be investigated I need my money back. That 's why I pay taxes so they can do their jobs .I feel they have robbed me as well!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Our XXXX County Maryland XXXX Department said that they never received information from GMAC Mortgage that our mortgage was paid off in full so that the release of lien could be recorded. We have a letter from GMAC Mortgage dated XXXX XXXX, 2001 stating that the mortgage had been paid in full & that the necessary release documentation for the property was in the process of being completed and being sent to the county XXXX office. We have not been able to contact GMAC. Until the County XXXX XXXX office receives documentation, our property will continue to show a lien against it which will continue to create problems in acquiring credit or selling our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Company has been billing me {$79.00} for over 12 months & when disputed, they issued a 50 % refund instead of 100 % on all charges the bill should be {$27.00} max & they & XXXX have conspired against seniors by signing them up for accessories they do not need. I will also be reporting to the FCC

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 2016-01-23
Company: ERC
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 have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief