BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.

Company response to consumer: Closed
Consumer complaint received 2016-12-31
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans were deferred while in graduate school and recently became eligible for repayment. I had existing ACH auto debit instructions setup with Mohela, my loan servicer. Upon the end of deferment, only XXXX of my XXXX loans were drafted by ACH. I was misled to believe that setting ACH payments would include all loans. This misstatement resulted in my remaining loans to be late, incurring additional interest. It was only by chance that I logged onto the Mohela.com website to check my loans that I noticed I was one day late. I am signed up for paperless statements and did not receive an email, phone call, text message or other notification that my loan was delinquent. Had I not logged onto the website I would not have known I was late, would have incurred additional interest charges and possibly had a negative impact on my credit score. I confirmed that all my contact information was correct to ensure any communication from Mohela would be received without error. It is clear that Mohela is purposefully misleading students and borrowers about their ACH auto debit practice. This is a misleading, wrongful practice designed to delay payment to the loan servicer. As such, it increases the interest students pay on their loan and generates a larger profit for the loan servicer. If Mohela were honest about their ACH draft policies, they would have sent correspondence clearly stating that not all student loans are enrolled for ACH debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX XXXX, I received XXXX American Express ( Amex ) credit cards : Blue CASH and Blue Cash REBATE. I charged {$220.00} to the REBATE card. 

In XXXX XXXX, I found out that the REBATE card had an annual fee, so I cancelled it and arranged for the {$220.00} to be transferred to the CASH account. 

My next Amex statement was for {$220.00} to the REBATE account. I paid off that account on XXXX XXXX, XXXX. 

Amex notified me in XXXX XXXX that the CASH account had an outstanding balance of {$220.00}. I explained that I had made that payment to the cancelled REBATE account. I sent a proof of payment for Amex to conduct an investigation. I would not be able to use that card during the investigation. 

Amex called in XXXX XXXX ; the customer service person said " everything is fine, and you may use your CASH card again. '' I made a charge in XXXX XXXX. Then I was again notified in XXXX XXXX that there was an outstanding balance of {$220.00}. I sent another proof of payment, and they were to conduct another investigation. 

I received several robocalls In XXXX and XXXX XXXX demanding payment for a balance over {$300.00}, the original {$220.00} plus late fees and interest. I called Amex to remind them that my account was being investigated for the lost payment I 'd made in XXXX XXXX, and was told the investigation was ongoing. In XXXX XXXX, my CASH credit card was cancelled by American Express. 

In XXXX XXXX, I received a check from Amex for {$220.00}. Experian notified me via email that my credit rating was hit with a XXXX-point subtraction from Amex. In XXXX XXXX, I received a demand for payment of over {$400.00} ( balance due + late fees + interest ) with the threat of sending the account to a collection agency if I do n't pay that amount by XXXX XXXX, XXXX. 

In addition, in XXXX XXXX I discovered that I had paid over {$700.00} more than the balance due for a previous Amex credit card account. Amex called and opened a new credit card for me, promising that a check for the overpayment was " in the mail. '' I never received that refund due. 

I am beyond frustrated. I have written and called about that the {$770.00} credit due to me ; they deny even knowing about that account I had ( I have the account number and have provided it to them, but with no response ). 

Please help me to communicate with Amex about this untenable situation. I am willing to sue if necessary. 

I will need help in recovering the documentation for the {$770.00} overpayment. I got the account number and amount from my XXXX credit report online, but did not copy the entire report. I have not yet tried to retrieve those proof of payment documents, but plan to do so today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
American Express does not list the actual due date of my credit card statement. Instead, they put a " Please Pay By '' date that is early in order to trick consumers into paying off their bill early. This is extremely misleading and, frankly, predatory. Companies should be required to list the actual due date of a bill to avoid fees and credit issues - it is a pretty simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. 
I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. 
Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Between XX/XX/2016 - XX/XX/2016, DIVERSIFIED CONSULTANT called me over XXXX times. Sometimes 3 times within the same day. I tried to answer every call. Each time, they would say that they have an important legal matter to discuss and would ask me to verify the last XXXX of my SS # and/or DOB. Each time I told them that I do not/would not provide my personal information over the phone without knowing the specific reason for the call. They said that they could not give me any details until or unless I verified my personal information. Each time, I asked them to send me correspondence regarding the matter and I would then respond accordingly. I then gave them by PO Box mailing address. I NEVER received any written correspondence from DIVERSIFIED CONSULTANT. On XXXX XXXX I checked my XXXX credit score and credit report and found that a collection from DIVERSIFIED CONDULTANT was there. I called the number listed, and explained that they were improperly reporting the collection of a debt that had not been verified as mine. I gave them my name and mailing address and the partial account # as reported in my XXXX credit file. They did not have a match in their file. They insisted that they could not help me further without providing the last XXXX of my SS #. I provided the SS # s numbers and they pulled up the account. The address that they had in their file is not nor has it ever been my address. I asked them had they ever sent me correspondence about the debt. I was told that a letter was sent on XXXX XXXX to the address in the file -which again is not my address. I then asked for a fax number so that I could write them regarding my frustration and how they were improperly and probably illegally reporting this debt to XXXX and/or other credit agencies. I was given the fax number XXXX. I tried more than 20 times to fax to this number between XX/XX/XXXX-XX/XX/XXXX at different times throughout the day and night. IT ALWAYS rang busy - as late as XXXX EST as well as XXXX EST. I called back on XX/XX/XXXX and XX/XX/XXXX asking for an alternative fax number each time. I was told that this was the only fax number. I explained that the debt was not mine, the address they had on file is not/was not mine, that they had not ever sent me any correspondence and therefore I know that they had not properly verified the debt as I read and understood the fair debt collections practice act. I told them that I wanted a valid fax number so that I could fax them immediately or for them to remove the collections account from my credit file. I was told that my only option was to write them. I thanked the representative for his time and told him that I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation