BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need help, I loved at XXXX for many years decided I was not going to renew my lease provided a notice as stated in my lease and now I look at my credit file and see a {$2600.00} collection. This is NOT accurate and unfair. I have disputed this with no outcome. Please help. I was a GREAT tenant and left the unit in excellent condition. Where are these fees coming from? This debt is NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This company has filed a " NOTICE OF SALE UNDER POWER '' to auction my home on the XXXX Tuesday in XXXX. Their power as " Attorney in Fact '' was revoked due to violations of Federal Regulations 617.7010 Title 12-Banks and Banking Title part 617-BORROWERS RIGHTS Subpart A-General Item c, the borrower 's written waiver must contain a statement that the borrower was represented by legal counsel in connection with execution of the waiver.I WAS NOT REPRESENTED BY LEGAL COUNSEL IN THIS MATTER. I filed an affidavit of NOTICE OF REVOCATION OF POWER OF ATTORNEY AND TERMINATION OF ATTORNEY IN FACT on XX/XX/XXXX in the XXXX XXXX Supreme Court and mailed copies to Ocwen and their attorney, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX time I have to submit a complaint with the Consumer Financial Protection Bureau. Ocwen is once again stating that I am late on my mortgage payments even though my payments are submitted automatically bi-weekly by my financial institution. Based on information derived from my financial institution I am XXXX a payment ahead on my payments. Ocwen is the most incompetent company that I have ever encountered concerning customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. 

I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. 

I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. 

I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account at Citizens Bank in XXXX, NY, on XXXX/XXXX/2015. I closed the account 5 days later on XXXX/XXXX/2015 when I realized I no longer needed the account ( reconciled with my wife ). 5 days later the bank processed checks on my closed account and charged me XXXX which forced my account open. Because it was in overdraft, I was charged an overdraft fee of approx. {$35.00} and a sustained overdraft fee of XXXX each day thereafter ( after 3 days ). The overdraft notices was not sent to the correct address ( mailing address on file was incorrect ). By the time I was first aware of the problem, it had accrued to over {$100.00}. 

I do not understand how checks can be processed on a closed account. Furthermore, an immediate contact should have been made when my account was forced open, and a valid phone number was on file at the branch. In addition, when asked for proof of payoff, a " print screen '' was given to me, instead of a account activity statement showing a zero balance. This print screen, which could have been accessed at anyone having access to the printer, displayed my birthdate, age, account number, debit card number, and full social security number. This information should have been masked ( SS # and account # - PII ). 

The bank officer was XXXX and the manager was XXXX. I did pay off the account because I did not want it to continue to accrue fees, but would like reimbursement. Also, I would like to know what XXXX procedures the branch has in place to ensure proper communication of such events. Also how they protect customer information at the branch. This seems against Regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09
Company: HW Holding, Inc
State: CO
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 signed a short term lease while I was in Texas, I was drafted after I already signed the lease but was told ball players could get out of there lease at anytime. I went to the community and advised them of course the lady that was there when I signed the lease no longer worked there and a man advised me no that is not accurate and if I leave I will still have to pay the entire lease which I signed even if they rent the unit out to someone else. So I did I paid every single month to not have any negative remarks against me. When I left I turned off all utilities that were in my name also. Every month the actual rent included trash pick up, water which was a flat fee of XXXX and pest control. I received the ledger of the so called charges and every month per even the ledger reflects the electric being XXXX to highest XXXX which started in XX/XX/XXXX which I was n't there. I should not owe anything to this company. I feel I am being taken advantage of and after paying for a unit I was n't even at. I do not know this for sure but I am sure this company rented it out also and did n't leave it vacant. I and a firm which is trying to help me resolved requested validation of what I paid in and some other information which this company is failing to reply with. Now I have a collection agency Hunterwarfield on my credit and calling me for payment which I do not owe. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As part of the XXXX upgrade process, filed app with Citizens bank which to my surprise turned me down for a $ XXXX/mth paymemnt despite a XXXX income and a XXXX credit score. Turn down was due to a lien that was opened and shut on the same day, 100 % satisfied because it was a clerical mistake initially and should n't have existed. have n't been turned down in 30 years and the XXXX from XXXX is the lowest of the scores, XXXX with XXXX. Based on internet complaints concerning Citizens Bank, they are simply declining customers for no legitimate reasons.Most likely because they are too small to handle the number of apps they are receiving. This is wrong on so many levels. I have tried to reach the bank officials and they are always too busy to speak and do n't return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.

Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. 

I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. 

I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Ocwen Financial Corporation
State: CA
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.

Company response to consumer: Closed
Consumer complaint received 2016-08-23
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In early XXXX 2015 I submitted paperwork to Ocwen Mortgage Services to apply for a deed in lieu due to a situation with my XXXX year old mother that requires my presence in XXXX. I called to inquire as of the status of the application on XXXX/XXXX/15 and advised the representative in the deed in lieu department that as of XXXX XXXX the house would be vacant and suggested that they take steps to secure the property as there are several vacant homes on the street that have been vandalized the moment they were vacant. upon return home yesterday I find out from a neighbor that Ocwen Mortgage sent someone from their preservation service to change the locks on my house. I have not been approved or denied for a deed in lieu nor has foreclosure been started. All my belongings as well as my dog & XXXX cats are inside the home and I still live there at least until XXXX XXXX 2015. In addition to prematurely sending their agent to change the locks, my situation was discussed or mentioned to my neighbor which im sure is a violation of my right to privacy. I do not speak with any of my neighbors yet one saw that someone was taking pictures and inquired. He advised me that I should call the preservation company to let them know I am living in the house still and my neighbor also said " your locks are going to be changed because you are in foreclosure. '' He would have no way of knowing my situation as I keep to myself and did not want anyone to know I was leaving just because my house was already been broken into with me living there and I live alone and I am afraid. Can you please look into this and advise me what I need to do or if my rights have been violated? I have emailed Ocwen '' s Consumer Ombudsman as well as a general email for Ocwen to advise them I would contact someone to see if my rights have been violated. You may contact me at XXXX after XXXX Eastern Time if you have any further questions. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother had fallen ill in XX/XX/2016 and subsequently passed in XX/XX/2016. I had missed some time off work under FMLA and as a result my mortgage fell behind but I was keeping up with the payments just enough to avoid the property going into foreclosure so I could catch up later. 

On XX/XX/2016, as I was driving, I phoned my mortgage company to check on the last date I could make a payment to avoid my property going into foreclosure and was told my one of their relationship managers that I had until XX/XX/2016, to make the payment. Because there was a language barrier, I asked her three separate times to make sure I understood the exact date and she told me three times that I had until XX/XX/2016, to make the payment. On XX/XX/2016, I attempted to make the payment online and could n't. I then phoned the company and informed another relationship manager that the computer was n't letting me make a payment and he informed me that I had missed the 89 days and would have to make the complete three month payment in order to bring the loan current. I told him I was not even aware of any 89-day rule and he said the relationship manager I had previously spoken with was supposed to inform me and I told him she had not or I would have made the payment with her over the phone that same day while I had her on the phone. 

I then contacted the mortgage company 's Resolution department to have the call pulled. They said they pulled the call but later told me they could not provide me any information on their findings. I explained the situation and complained that their staff had given me some mis-information which caused me to miss my deadline and therefore send my loan into the foreclosure status I was trying to avoid. 

I filed a complaint and after many many weeks, I was giving the opportunity to apply for a loan modification. This process took several months and they took their time about requesting the necessary information from me in a timely manner and seemed to be stalling. This eventually caused me to miss the deadline for getting the " Making homes affordable '' plan at the end of XX/XX/2016. Now my loan modification has been approved but the note is almost doubled from what I was paying before which is causing me another hardship and which could eventually lead to me losing my property. 

I was initially lied to and manipulated into making my payment after the allotted time so I would be forced into foreclosure. I was also denied the findings of the phone conversation. I have documented each and every call I 've made to the company. Prior to my mother falling ill, I had not made any late payments on my mortgage. I even made double payments a few times. Their mis-hap has also caused my credit to be affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer is in violation of our mortgage agreement and the Homeowners Protection Act of 1998. I need to know how to report this violation of federal law ( i.e. which agency is responsible for enforcement ).

Company response to consumer: Closed with explanation