BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried to order my LexisNexis report for three months now without success. I've contacted the company directly and they tell me they could not find a file for me with the information I gave. I'm attaching a state-issued photo ID and social security card to this complaint. There is no reason LexisNexis can not issue my reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
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:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS 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 2016-11-15
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I sent in my payment for XXXX 10 days ago and it has NOT cleared my checking acct as of this writing. This is very strange as I have never been late nor missed a payment in over 10 years.I believe they are sitting on it to make me look bad because I have NOT accepted their offer for a loan mod with a new lower payment. I have NOT accepted their offer because they refuse to explain the amounts involved and because they are mad at me for contacting the CFPB with a complaint. This is my second complaint to you. 
In my opinion, Ocwen is shady and unethical at best and a scam at worst. This is my opinion. They provide NO information to me after repeated requests. They stonewall and obfuscate. I do NOT understand why they will NOT provide me specific information on the loan mod they offered which I have NOT accepted as of yet. Please assist me in obtaining the required info or at least investigate them for unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We Made 2 separate payments to XXXX separate Loans to Ocwen Loan Co. in XX/XX/XXXX. Both payments were cleared by our bank. Ocwen says they received the payments through their lock box system but never received the funds, so they refuse to credit our accounts. We have sent copies of the cancelled checks and all the proof they have required, but we are still getting default notices and constant harassment. We have spoken to their various departments and now trying to get them to sign a fraud investigation form from our bank so we can recoup our money and resend them our payments. We are getting nowhere. We are very concerned that this effecting our CREDIT RATING and noone will address this with us. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

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 2015-12-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a victim of Ocwen mortgage and their fraudulent activities, such as adding misc fees and misdocumentation of our payments. They refused us a modification after 4 months of sending us letters stating " loan modification is available to you, '' then simply sending a letter stating through various successors and mergers our loans current investors wo n't allow a modification. We obtained and paid what we thought was a reputable attorney who was able to get a modification for us, they would not reveal the terms until after we made the trial payments. The terms were for us to sign we now owe {$200000.00} ( the original mortgage was for {$190000.00} in 2006 which we have paid over {$150000.00} of over the last 9 years XXXX and after paying for another 22 years they want us to pay a balloon payment of {$110000.00}! The attorney 's office originally told us not to sign until they clarified the numbers since it sounded " a bit off '', really? After nothing was done about this severe miscalculation the attorney 's office sent us an email on XXXX XXXX stating we need to sign and overnight the documents by XXXX XXXX to the opposing council ( attorney 's for Ocwen ), to which we replied ( are you kidding?!! ) we will not give up but we really do not know where to turn anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.

Company response to consumer: Closed
Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. 
Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: WI
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:
I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

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 2015-07-16
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This person gave me money to deposit and it didnt go through to my account the money was returned to them since its didnt go through and my account got frozen and I need it to be unfrozen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around

Company response to consumer: Closed with explanation