BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 XXXX paid off my Ocwen loan. XXXX sent Ocwen {$350000.00}, which left an overpayment of {$5000.00}. XXXX/XXXX/16 I received an email from Ocwen stating " Ocwen received a payment on XXXX/XXXX/16 for the amount of {$340000.00}. '' XXXX/XXXX/16 I checked my Ocwen online account information and it showed the XXXX payment made by XXXX and a " XXXX balance '' under escrow portion, next payment amount, unpaid principal balance and escrow balance. I called Ocwen XXXX, XXXX and XXXX and each time the customer service rep confirmed the amount of my pending refund, but said it had n't been issued because they have to make sure there are no fees owed on my loan before they issue the refund. When I explain my online account information shows nothing owed, they say, per RESPA, they have 30 days to issue my refund. XXXX/XXXX/16 I spoke to XXXX XXXX, Escalation manager and when asked why they are holding my refund, she said " we just have to finalize everything and get approval to send your refund. '' I told her it had been two weeks and my online account shows a XXXX balance owed, so I wanted something in writing, as to why they ca n't issue my refund. She said she would call and ask the payoff Dept to expedite my refund. XXXX called back an hour later and said the payoff dept told her to contact their cashier dept, but she has to email them and they take 3-5 business days to respond to emails, but she will email them daily until they respond. I told her this was unacceptable and asked to speak to someone above her. She said the supervisors were not taking phone calls and it would take a supervisor 24-48 hours to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I visited XXXX Hospital as a result of a XXXX accident on XXXX/XXXX/16. I indicated on my admission papers that my visit was a result of a XXXX accident. I received a bill dated XXXX/XXXX/16 from XXXX Hospital indicating that I owed {$40.00}. I spoke with a manger XXXX on XXXX who assured that the claim would be processed through no-fault. I also corrected my address which had also been done at the time of my hospital visit. He denied my request to memorizlie our conversation in writing. 

I then received a collection notice from Computer Credit , Inc. dated XXXX/XXXX/16. I called and spoke to XXXX on XXXX/XXXX/16. She advised that there was a note indicating my XXXX/XXXX/16 call but it did not indicate the nature of the call. She assured that this time the payment from my private insurance would be reversed and put through no-fault, but she too advised she could not put anything in writing. However, at my request she advised a manager would call me back within the week. I never received a call. 

I then got another collection notice from Computer Credit , Inc. dated XXXX/XXXX/16 claiming I still owe this debt. 

I sent a formal letter memorializing this entire process dated XXXX XXXX, 2016 with attachments, which was copied to this office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our original mortgage had the wrong property city and zip. Original mortgage had property city as XXXX and zip as XXXX. We recently received a loan modification and the loan modification contained the correct property city and zip. According to our Servicer, Ocwen Loan Servicing , LLC, the entity that currently owns the account and holds the note is XXXX BankXXXX as Trustee for Option One Mortgage Loan Trust 2006-1, Asset-Backed Certificates, Series 2006-1, XXXX XXXX : XXXX, XXXX, MD XXXX. The new modified loan balance has been reported and reflected in the trust, but the property city and zip are still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX Ocwen Loan Services has taken it upon themselves to escrow our homeowners insurance after 22 years of us paying the insurance company directly ourselves. I have tried since XXXX to get this resolved and every since then the problem continues to remain. Them escrowing my homeowners insurance had caused our mortgage payment to go up an significant amount for the past two ( 2 ) years. Again for XXXX we are experiencing the same problem and will experience another year of higher mortgage payment because of them escrowing our homeowners insurance. We never consented to having our homeowners insurance escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I decided to buy a home in XXXX XXXX. By XXXX XXXX, XXXX, I was signing my XXXX mortgage paperwork. I had requested to SC XXXX XXXX ( who sold me the house ) that my payment not be over {$600.00} but it was {$800.00} w/a promise that I could reduce that after a year. A year later I find out I have a balloon payment. I filed bankruptcy. I paid that off in 9 months. My mortgage kept going up. I applied for and was put on a HAMP. My insurance went up after XXXX claim. I got a new insurance carrier. My mortgage payments continued to go up. I tried desperately to work with OCWEN who has my loan but to no avail. They have charges on my account they wo n't explain. I have asked why my mortgage keeps going up. They said rates go up and escrow is short. My insurance premium was less than {$1000.00} & is now {$2600.00} a year. Coverage is {$240000.00}. My house is worth less than {$69000.00}. My payoff on my mortgage is {$65000.00}. I have requested, since XXXX XXXX, to speak to my " relationship manager '' but keep being told they are busy and not able to assist me. I submitted paperwork, XXXX XXXX, XXXX, for a Short-Sale because I do n't know what else to do. But now they are saying the process will take several days which means I will go right into foreclosure. The realtor I have for the short-sale talked to them right after I did and was told I CALLED AND REQUESTED TO CHANGE MY APPOINTMENT! I then told her how they have told me several times they have no record of me calling! I went online and found out they have several lawsuits filed against them for the very things I am complaining about. I contacted my states attorney general 's office and they told me to file a complaint. My home loan started with XXXX, then Homeward, then AHMSI, and now with Ocwen. Ideally I want to keep my home. I have lived here almost 9 years. But realistically I can not afford to stay here as long as my payments keep going up. In the meantime a short 3 weeks after I moved in the bathroom tiles started falling off ; noticed the air did not work upstairs nor in the XXXX bedrooms ; nails coming up through the carpeting ; was supposed to repair siding and XXXX windows and remove metal spikes but did not! They sent to property managers ( XXXX came XXXX ) who promised to fix things but they did not follow through. To top it all off : The agency I work for has not given me a cost of living raise in 5 years. So while all my necessities go up my pay does not to the point my pay has dwindled due to health insurance and taxes going up! Is there a complaint again SC XXXX XXXX? Is there a complaint against the insurance company XXXX/XXXX? 
I need help please and thank you. I appreciate your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen loan servicing has garnished my wages illegally. I foreclosed on a home in 2011, in California. I attempted to contact them every Monday for over a year to perform a deed-in-lieu or anything to make my situation better. I NEVER received a call back from my " case manager. '' I have not been sued by them for the foreclosure, but they have illegally garnished my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted my XXXX payments to Ocwen Loan Co every month from the same Bank for a number of years. Ocwen has the information on file. My credit profile is marked more than 30 days late when in fact it was not. The mortgage co. put the wrong information into there system. When the wrong information was corrected the payment was recorded. 
The payment was paid before 30 days late and I have requested the removal of this error from my credit report to them several times but they refuse to correct there mistake. This is reported on my credit report as XXXX of 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My credit report shows that I have or had a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing, in the amount of XXXX and opened in XXXX 2006. I request that Homeward Residential f/k/a American Home Mortgage Servicing respond to the Debt Validation Letter and the QWR letter attached to this compalint. I have never signed a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing. I am attaching a copy of my mortgage and note for reference. 

This goes back to my original theories that no one knows who exactly owns my mortgage and note and that all documents used, i.e., Assignment of Mortgage, etc. are all fraudulent. 
I want this investigated and I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We bought a house in XXXX XXXX, CA -- XXXX/XXXX/XXXX. Our mortgage was handled by a company called XXXX. Soon after the mortgage was sold to GMAC. Shortly after that OCWEN took over the mortgage. The other day we got a notice not to send our payment to them but to XXXX instead. This is all so frustrating and wreaks of the XXXX mortgage nightmare. XXXX has no record of us on their books. I have been on the phone for over an hour on hold with XXXX to get help. I pay my bills on time. I have received nothing from XXXX and the XXXX is a week from today. I need help to solve this and to reach these people and hopefully put a stop to this madness. Besides paying pawn shop interest rates on the principal these companies could care less if this sort of thing puts us out and takes up our time to reset things with their website to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen held our insurance proceeds checks from an XXXX 2015 hail storm which caused damage our home. We have submitted all checks and the requested documentation, other than the certificate of completion, to Ocwen 's Insurance Loss Department. We have also received an inspection - from their inspector - indicating that the repairs are 90 % complete. Ocwen continuously indicates that they are also missing an acknowledgement form ; but, they agree that the fax number and loan number we are using in our multiple faxes containing the 'missing ' acknowledgement form are correct. They refuse to give an email or other method for delivery. They also returned XXXX of the small insurance checks to us, with a letter indicating they had endorsed them - but, they had not. We are now incurring the yet another overnight delivery cost to send the checks back, in the hopes that they will endorse them and return them to me in a timely manner, so that I can make payments for some of the minor repairs. They refuse, however, to return our {$20000.00} check, even though their policy is to release the funds at XXXX % completion. Which, as referenced above, has been verified by THEIR inspector. On our most recent call, they have asked us to now sign a certificate of completion, certifying that all repairs have been made and the property has been restored to the condition existing prior to the damage. I explained to them that per their inspector, the repairs are only XXXX % complete. They refuse, however, to release the funds without the certification. At this point, our contractor has been without payment for the roof and gutters for several months and each time I call, Ocwen tells me there is nothing they can do, other than submit the forms, wait another XXXX business hours for their system to update, and call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-10
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good afternoon, I am a veteran that used my VA Home Loan certificate to buy a home in XX/XX/XXXX. The address of the home is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. In XXXX XXXX, my wife and I divorced ( see attached ). In the final judgment of the divorce, my ex-spouse got the house and I was ordered to pay the mortgage for 36 months or until the property is sold. Whichever came first. In XXXX XXXX, I filed a Quit Claim Deed with the county Tax Assessor removing my name from the deed. I sent a copy of these documents to the mortgage company informing them of this action. In XXXX XXXX, I sent a letter and other supporting documents to the mortgage company requesting that I be Released from Liability. This would give my ex-spouse the option to refinance the mortgage or sell the property. 
In XXXX XXXX after checking my credit report, I find out that the mortgage for the property at XXXX XXXX, XXXX, AL XXXX, is several months past due ( {$14000.00} ). I contact my ex-spouse, whom I have been paying {$1800.00} per month, per the court order to pay the mortgage, to find out what is going on and I am told by her that she is trying to refinance the mortgage. I contact OCWEN, the mortgage lender and I am told, since I filed papers with them to remove myself for the mortgage, I will need to contact the new mortgage company, XXXX XXXX. ( see attached ) What I would like answers to are these questions : 1. As the primary and the veteran whom certificate was used to finance the mortgage, regardless of if I requested release from liability ; why was n't I contacted once the mortgage became 30 days past due? 
2. Is the new mortgage company using my VA Certificate to refinance this mortgage? 
3. Why was n't the property foreclosed on instead of allowing the mortgage to become 6 months past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Company complaint is with Ocwen Loan Servicing. Back in XXXX of XXXX Ocwen proceeded to pay my homeowners insurance as instructed to do so in contract, with XXXX XXXX XXXX, A check was mailed to XXXX at XXXX XXXX XXXX XXXX, XXXX, Ill. XXXX ; as noted on check # XXXX, dated XXXX/XXXX/XXXX and a copy of which is included with this complaint. ( See attachment ) On the back of this check is endorsement stamp by company XXXX and has a persons signature on it too. Deposited in XXXX XXXX bank. XXXX claims NEVER receiving this check ( for this reason, XXXX cashed it ). So XXXX preceded to notify Ocwen that they still needed payment for the homeowners policy to remain in effect, so Ocwen, instead of telling XXXX that they sent a check to their office in XXXX Ill, they write a second check of {$950.00}. See attachment, included ). So now I 'm really short funds in my Escrow account with Ocwen. I thought this matter was resolved in XXXX, after much conversations with Ocwen agents concerning this matter. I received my escrow account summary in XXXX of XXXX and notice that my balance is way negative, so I 've been trying diligently to get this matter resolved but with NO success. Just being told we 're working on it. Well they been working on it for almost XXXX years. So I do n't believe it, and I need help getting my {$950.00} back in my escrow account. I just want the {$950.00} restored where it belongs in my escrow account so I can have a new escrow evaluation and my monthly payment reduced. Also attached is my first page of my escrow summary for XXXX, which shows Ocwen 's contact info and my loan number with this account.Loan number is also on both copies of the canceled checks. Also attached is a word doc that lists Ocwen agents I contacted recently and the agent at XXXX I talked to that said she would try to locate the check in question and she forwarded a copy to agent at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PNC XXXX Fraud XX/XX/2022 1. PNC text alert XXXX withdraw 2. PNC XXXX # called immediately after I replied no to text. Bank Manager imposter said it was urgent to protect current balance by following the procedure which he walked me thru. XXXX to XXXX XXXX XXXX Fraud dept of PNC 3. NOTIFIED PNC of Fraud immediately after imposter hung up. 
4. Bank said they filed a dispute. Put a hold on my account. I have yet to get acknowledgement that they are disputing it at all.

5. Police report filed with Maryland State Police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties

Company response to consumer: Closed with explanation