BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-09
Company: Wakpamni Lake Community Corporation
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
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:
I rented a XXXXbdrm from the XXXX XX/XX/XXXX to XX/XX/XXXX. I submitted a notice not to renew my Lease to XXXX on 3 different occasions with a request for an additional 4 days. Payments and adjustments were made and my balance settled. 3 years later XX/XX/XXXX after a new management company took over the XXXX and branded the community i was sent a collections notice. 

The notice stated that i had a balance for not paying my rent. After speaking with the collections agents on several occasions i as advised that i had terminated my lease prematurely. On other occasions i was advised that i provided to much notice in advance of the minimum 60 days i was advised that i had to give 60 days and not more or less. 

I provided copies of my request to terminate my lease that i was able to locate. there are XXXX more which i requested from the leasing office but was advised the the documents were destroyed during the remodeling process. 

A copy of my ledger was sent to me along with a copy of the charges. A few things are of great concern. 

1. ) That an insufficient notice was added the day of my move out XX/XX/XXXX then removed on XX/XX/XXXX. I assume this was because the notice for my lease termination was not applied on XX/XX/XXXX but on XX/XX/XXXX. 
2. ) A correction was made to the charges on XXXX XXXX for both utilities and insufficient notice as this was paid in full on XX/XX/XXXX to cover through XX/XX/XXXX including my initial security deposit. 
3. ) The ledger shows a {$0.00} balance since XX/XX/XXXX. 

After 3 years and a XXXX balance ledger i am being sent to collections {$0.00} balance plus interest amounting to {$1300.00}. 


The original agent i spoke with is still at the current management company and has indicated that this is a regular occurrence and has indicated that she did in fact submit my notice in advance of the 60 days required however i was advised that i would have to go through the collections agency of Hunter Warfield who is unable to or unwilling the reach out to the rep who handled my case. to resolve this issue.

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 2015-11-11
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to sell my house and Ocwen is not getting me a payoff for my loan. They continue to tell me I will have it in 24 hours. It has been days and I still do n't have it. I think this may be a tactic to charge a late fee. Also they sent a letter informing me my mortgage payment was increasing over 10 %. The letter said the reason for the increase was coming in a separate letter. That was over 45 days ago, I still have not received an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.

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 2016-03-16
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 went to Ocwen Loan servicing website to check our mortgage account. I found that Ocwen failed to report to all the credit bureaus on XXXX XXXX as being current. Ocwen is reflecting for XXXX XXXX, no payment history available for this month! Per Ocwen payment history on us it reflects that Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, per our credit history that Ocwen has, it reflects that on XXXX XXXX that no payment history available for this month! You can view these documents in scan # XXXX which is provided. Ocwen also reflects that XXXX to XXXX XXXX, there was no payment history available. This is inaccurate. Per Ocwen print out, it reflects that we did make our payments for those months and on time! You can view this document on scan # XXXX. We paid Ocwen Loan Servicing and they are required by law to report accurately. As you can see, Ocwen Loan Servicing has failed to report accurately, violating federal law! By not reporting accurately, Ocwen has caused future creditors to potentially not approving us to have a loan due to these inaccuracies. This is a clear violation of our rights which must be addressed and resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Ocwen currently but they just sold it to a debt collector. I am still in Chapter XXXX bankruptcy which is in good standing and was started XX/XX/XXXX. The chapter XXXX is paying back the pre petition payments and I also had 4 months of post potition payments due. To cure the XXXX months of post petition I mailed a check for the amount of {$5000.00}. This cured all post petitton requirements. This payment was made and logged by Ocwen on my XX/XX/XXXX tax forms on XX/XX/XXXX. On XX/XX/XXXX Ocwen then reversed the charge with no reason. When I called they said that they will not count this payment till the chapter XXXX bankruptcy has been finalized so they are reflecting my payments as being 4 months behind currently. They just sold the debt off to a debt collector agency who is asking that I cure the {$5000.00} plus penalties as Ocwen has not sent them record of the payment. When I checked into this with Ocwen they informed me that they have decided to retain this payment as a fee and not reflect it onto my account. They said that per the bankruptcy guidelines they are allowed to do this. When I checked with my lawyer he said that is not legal and they would have had to keep the funds in an escrow account if they decided not to post it which must be interest bearing. Ocwen informed me that they have not done this. 

Now the new company that was sold the mortgage wants me to cure the 4 months as well and when requested for Ocwen to refund the moneys they do not respond. 
I have been trying to correct this with Ocwen for years and I have a list of letters from them XXXX even stating that they corrected the issue and brought the account current but then they went back and pushed me back XXXX months again after sending the letter with no explanation. 
My loan number is XXXXUnfortunately I am now at a point where communication with Ocwen is not yielding any results and I either need my payment applied to my account or a refund plus interest so that I can cure the amount with the new mortgage holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )

Company response to consumer: Closed
Consumer complaint received 2016-08-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Feldman & Stern, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Debt collector called my cell phone on Tuesday and told me he was collecting on a medical bill I had never heard about. I explained I had not ever recieved a bill and that I was going to call the Dr office to find out what the bill was for and why they never mailed me anything. He told me he 'd just sue me and I could see the bill in court and then I could also pay all his additional fees he was going to add for court costs. I told him I 'd pay what I owed but I wanted to confirm with my insurance company and the Dr office first to see what I owed. He again threatened to sue me and my {$300.00} bill would significantly increase if he had to waste his time. He then called my Father Wednesday, the next day, and told him about the bill and that he was going to sue me and make me come back to XXXX to go to court since I recently moved to XXXX XXXX. I found out that same day ( Wednesday ) that he also called my employer saying he needed to talk to me about " our recent work together '' which is a lie. He 's using multiple names and calling from what appears to be fake numbers because they wo n't let me return the call directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini XXXX XXXX has still not let me withdraw any of my funds due to an identity verification. 
I sent in all my documents weeks ago on XXXX and still have not gotten verified. I can not withdraw any of my coins and can not withdraw to a separate crypto wallet. They are essentially holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Duncan Solutions, lnc.
State: CA
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:
I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have done my best multiple times using every method available to me to keep my information current on my Equifax credit report. 

I have mailed disputes with documentation more than once to receive no response from Equifax. 

I have disputed over the phone to receive only passive responses from Equifax. 

I have tried to cite credit law to Equifax to try and get them to remove old and inaccurate information from my credit reports. 

I sent them documentation upon documentation to clarify what I believed was inaccurate or should be removed. Including but not limited to highlighted copies of my credit report with the errors circled or explained in permanent marker on the pages of my printed credit report. 

Their information always lags behind the other two credit bureaus by 60-90 days. They do not update information or check information reporting monthly as required by FCRRA. They are still reporting information from places that no longer exist and I know this because I sent them a copy of a returned envelope, returned by the post office. 

My credit cards, credit utilization has been 25 % for two months by the other bureaus to have Equifax not even report that correctly. They do not show my balances on my credit cards accurately or timely. 

Today is XXXX and I applied for a loan with XXXX to have Equifax report wholly inaccurate information and a wholly inaccurate and unfair score. They were the direct cause of me not getting the credit I deserved. 

Even when you use every method at your disposal to dispute or request they do as they are supposed to do and report accurate information it falls on completely deaf ears at Equifax. They do not care about the record holder and they do not care about the legislation and the rules.

Company response to consumer: Closed with explanation