BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.

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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
My Friend Hit me Up and Ask me Can He Use My account to receive his funds from unemployment and me being me a good friend i said yes because the unemployment place didnt accept his bank so they put my funds on hold ive been calling for weeks they said that i will receive a call back but never i sent in proof and they still didnt release the funds they just holding my friends money at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan servicing is my Mortgage agency and I have been mortgage transaction with them for the past.5 years After being with them for 5 years, they sent me a note and a phone call 2-3 months ago to tell me that I no longer have escrow insurance with no reason. ( Please note : I automatically direct payment from my bank monthly. ) XXXX too is my insurance agent through XXXX. My problem is around 2-3 months ago I received a letter from them stating that I do n't have escrow insuruance for no reason. I became scared so I contacted XXXX insurance co. After a long XXXX conversation with XXXX agent, Ocwen agent and myself, I was told to write an authorized to them to installed back my escrow insurance thinking that everything has been solved. Since then almost every two weeks or so Ocwen co calls to harass me with this case. XXXX times when I call to inquire we go through the same routine and spend almost 3 hours with them, trying to solve this problem even after talking to their manager and they promising to resolve this problem. Also when I talk to Ocwen with my problem, I get people with XXXX thick accent which I can not understand them. Thanks XXXX that I have XXXX agent with me who understands them and helps me all along. 
All I want them to do is to do XXXX payment including my mortgage and escrow insurance all in XXXX that I have been doing all along for the past 5 years. Frankly Ocwen is a very bad company, they are causing me a lot of sleepless night and I am recovering from XXXX and I do n't want this to cause me a XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. 

I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. 

For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. 

In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. 

I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. 
In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. 

It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAINE & WEINER COMPANY, INC.
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 regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CITYWORTH MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We got Pre approved for a home loan in XXXX 2016. The first time my husband and step applied and was approved for a XXXX loan. We found a home within two weeks and started the process. Within the three months from XXXX to XXXX 2016 we had the most horrible experience with Cityworth mortgage. We could hardly get ahold of our lender, they caused issues with step father which made us restart the process using my name my mother and husband. After turning in all paper work that was requested our closing cost kept going up, the closing date kept getting pushed back, and we tried to reach someone over our lender but kept getting told he is the supervisor. Even our realtor had a terrible time with him. We have multiple emails with no response multiple calls with no answers or return calls. And a couple of days before closing our lender calls and backs out of the loan. We were in the process of selling our current home and had everything packed up ready to move with electric and gas ready to be turned on and home owners insurance which all had to be canceled. Every problem we encountered our lender should have been aware before hand and he never told us unless we continuously called him to finally get an answer. The company is anything but professional. They do not answer questions and make you think things are okay when you finally talk to them to find out that things are not okay two days before closing. We got behind on bills and everything from what cityworth put us through no one should have to work with a mortgage company that is so incompetent.

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 2022-10-01
Company: EQUIFAX, INC.
State: MI
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:
*This item XXXXXXXX XXXX  is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Summary : The issue is we are trying to get an accurate accounting of our mortgage in order to payoff the XXXX loan on our resident. We are not getting the complete accounting. 
Detail : We have a XXXX loan that started in XX/XX/XXXX. Matured in XX/XX/XXXX. We started negotiating with the lender, XXXX XXXX XXXX XXXX ( XXXX ) to pay off. While this negotiation was going on, we were making our regular monthly payments. This went on for a couple of years. Then they decided to refinance it and gave us another loan. When they sent the new loan documents to us, we saw that the new loan amount was too high. Then we received from a law firm a small check for a class action pay off from XXXX wrong doings. We did not accept the refinancing offer that they offered us. We managed to collect the money from other sources to pay off this loan. We asked them to give us a complete accounting of this loan. They immediately transfer the servicing of this loan to another company named Ocwen. They stopped accepting our monthly payment. We have been trying to get an accurate accounting of this loan ever since. We still have not received a complete accounting of this loan. We have the funds ready and sitting in an account for the past 5 years. And still no resolution on this loan. The loan balance is suspected to be about {$180000.00}. They would like to payoff of {$210000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing is currently pursuing the prohibited practice of " Dual Tracking '' while I 'm being reviewed for a loan modification. Ocwen has scheduled a foreclosure date of XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Prior to renewing my mortgage, An Ocwen broker stated that I had to be delinquent to qualify for a lower rate. I paid late to get a better rate and Ocwen filed documents about delinquent payments. I currently make my payments by way of direct deposit and get charged fees for late related charges. Payments are made timely and never missed. Ocwen informed me that the fees are for prior year late payments and/or postage fees. Ocwen refuse to remove the information from my credit report and is being unfair about the additional fees. The mortgage company is also showing a deferred balance on my account that should have been included in my refinance. I only requested a lower interest rate and not an extension of fees for time to pay. The changes was suppose to be a part of a government program not Ocwen 's program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC continues to threaten additional servicing fees for the purpose of adding insurance I already have. On XXXX/XXXX/15 I sent the first Qualified Written Request under RESPA answering their requests for insurance dated XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Required documents were submitted but I never received 60 day response ( nor acknowledgement ). On XXXX/XXXX/15 I sent another Qualified Written Request under RESPA in response to Ocwen 's revived demand for insurance dated XXXX/XXXX/15. All requested documents were sent again. Now in a letter dated XXXX/XXXX/15, Ocwen threatens to tag on an additional {$620.00} yearly to servicing fees for insurance I already have. They claim they do not have evidence of insurance coverage, even though I sent it multiple times to their designated fax number ( XXXX ) XXXX. My transmittal confirmation sheets show their receipt. The internet is full of consumer complaints about Ocwen, suggesting habit and custom on the part of Ocwen 's ongoing servicing violations.

Company response to consumer: Closed