BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They are constantly call on my home phone & cell phone XXXX times a day even onSunday. 
They are also send mail to my renter, and my home owner insurance companyThey are saying that I am XXXX payments behind.

Company response to consumer: Closed
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Ceannate
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ocwen loan servicing was informed of a forgery on a loan re modifacation, they have removed my liability from the loan, but it is still on my credit, I called and asked them to contact XXXX major credit reports and have account closed, I was told I would have to do that myself. I would like this loan removed from my credit as soon as possible, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Nationwide Biweekly Administration, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationwide Bi-Weekly has been the go-between between my lenders ( first XXXX XXXX, next XXXX, then XXXX ) since I bought my house in 2012. They deduct half my mortgage payment twice monthly, and pay it the following month. In XXXX, I was sent a message stating they could no longer do business with XXXX, and I would have to start sending my checks directly to XXXX. They were to send what they deducted from my account for my XXXX payment and did not. After inquiring, I am in dispute with them. XXXX has helped me by providing me with avenues to assist me. In the meantime, my credit rating has dropped significantly, and I worry my VA Loan Opportunities will be limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. 

The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had a loss on my home and the insurance company paid for the loss. First mortgage Chase wants to keep the money in their escrow account and pay the contractors when I provide Chase with the licenced, insurance and estimate provided by such contractors. I find this unacceptable as Chase is not a insurance company or claim processor. Chase needs to release the funds and be fined appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts from XXXX XXXX XXXX reporting on my Equifax credit file. After numerous disputes, I have received no resolution. I informed them that I have an open investigation with the CFPB - case # XXXX andthey advised me to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan from INDYMAC BANK, and have been paying on time since then. In XXXX, Ocwen Loan Services , LLC took over as my loan service ( r ). I was XXXX around this time, and once Ocwen took over, they 've been sending letters stating if I dont provide payment or payment receipt they will foreclose. I send them supporting documents, then they send me another letter stating that some other payments are " missing ''. I fax them those thinking ill be done and everything will be fine. Its been 4 years, I send them proof of payment, they come up with other random days they want proof of payment for. Fast Forward to today, OCWEN stopped accepting my mortgage payment as of XXXX XXXX stating that they cant accept partial payment when I " owe '' for months that I have proof of payment, and if i dont come up with those payments they will foreclose on my home. I am FIGHTING XXXX and FIGHTING OCWEN, im old, im tired, im ILL. Every time I send them three or four payment receipts, they send me a letter stating they received the proof of payments however there are more that are missing. We 've been doing this since XXXX, and its gotten more and more frequent the past year, im speaking to them every 3 weeks now trying to resolve this matter, but every time they get my proof of payments, they come up with other random days they need. As of right now, OCWEN is asking for payment receipts from XXXX, mind you, OCWEN came in the picture in XXXX. They keep playing these games with me and are threatening to Foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I sent in my monthly mortgage payment to Ocwen for the month of XX/XX/2016. ( check # XXXX ). I am always a month ahead in payments. ( see attached ) Ocwen cashed that check on XX/XX/2016. I was expecting to receive my next payment coupon from them for XX/XX/2016 but by XX/XX/2016 I had not received it, so I sent Ocwen a email asking why I had not gotten it yet and on XX/XX/2016 I received a email from them that stated ( see attached ) a mortgage account statement is sent either when a payment is received or when a payment is not received by the end of the grace period, whichever is earlier. But as I just stated they DID RECEIVE my payment for the month of XX/XX/2016 ( see attached ) but have failed to send me XX/XX/2016 payment and here it is XX/XX/2016. I decided to give them the benefit of the doubt and and wait to see if they would send me my next payment. On XX/XX/2016 I still have n't received a payment coupon for XX/XX/2016 payment so I sent them another email stating that I am still waiting for it. I have not signed up for paperless billing and I never will. Ocwen suggested in their email to me that I just send in the payment without the payment coupon. I will probably have to end up doing this because of their negligence. I am scared to think of what problems lie ahead because of not having that payment coupon. This is not the first time Ocwen has failed to send a payment for the following month mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.

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

Complaint:
I have two problems with Ocwen, my mortgage company. First I asked them to remove my FHA mortgage insurance and they denied it because " The LTV is greater than 78 % of the original value. When I purchased my home the value was XXXX and i currently owe XXXX. Which is less than 78 %. When I called, they stated what they meant was 78 % of the original loan amount. There wording says one thing and they mean another.. very misleading and wrong. 

Second issue my XXXX escrow analysis. Ocwen is doing very shady mathematical practices on my escrow analysis which is causing my monthly payment to go up dramatically. I received a letter stating my expected escrow balance is {$55.00}, making my expected balance deficiency {$0.00}. Total escrow shortage {$0.00}, cushion of {$480.00}, and and additional {$1700.00} is needed for the escrow balance. XXXX divided into XXXX payments of {$48.00}. My mortgage has gone up {$82.00}. They ca n't give me a clear answer of what is going on with my loan. My taxes stayed the same and my insurance went up less than {$20.00}. I was told my a representative that is an issue from XXXX when my loan was purchased from GMAC. My XXXX escrow analysis had a shortage of {$480.00} which was only the cushion.

Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently looked at my credit reports and noticed the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Seterus, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is trying to charge me for things I am not responsible for. I have sent XXXX disputes and continue to receive a lying response from Seterus. The total amount I disputed was {$390.00}. They finally credited back {$370.00} of my dispute because they were wrong BUT they lied in their letters to me. The remaining amount is {$15.00}. Does n't seem like much because it is n't. It 's the principal now. They received my loan from XXXX XXXX in XXXX 2016. Seterus is charging me {$15.00} for a `` drive by '' inspection of my home on XXXX XXXX 2016. I did n't request this nor should I be responsible for the `` drive by '' inspection. I am not in default, I am not in foreclosure, I have never made a late payment with Seterus either. They have declined my dispute 3 times now. I am now filing complaints against Seterus becuase they are horrible!!!!!!! Their customer service is less than adequate and they argue over the phone with me. Then they tell me they only respond to written disputes. I am DONE with them and I will NOT pay the {$15.00} ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an inquiries with XXXX XXXX Dealer from 2015 on Equifax credit report that I never applied for, I already fill up the Identity Thief Affidavit and send to all XXXX credits bureaus. I request this information to be update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    XXXX

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 2015-12-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing refuses to cancel private mortgage insurance on our loan, despite a loan-to-value ratio below 30 %. Their justification is an inaccurate, erroreous broker 's price opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I completed a modification with Ocwen Financial account no. I 've made all my payments on time but they are reporting it thirty days late on my credit report and refuse to fix it.

Company response to consumer: Closed with explanation