BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: First Associates Loan Servicing LLC
State: TX
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 enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
As a customer of navient who pays their bill monthly I called them countless time ( mostly in tears ) to ask them to lower my student loans and make them more affordable. Often times I was told that it was n't possible and that I did n't qualify for income based repayment because I file my taxes jointly. I have federal, department of education, parent plus and private loans all through this company. It nearly drains our bank account every month and they have assured me I 'm at the lowest possible payments. They 've also informed me that due to the loan my dad chose the payments go up every 2 years and there 's no way to change it. I ca n't take my co signer off my loans or transfer the parent plus into my name even though I 'm the one who consistently pays. It 's been an awful process and I still have many years left with them. I hope you can help others like myself stop this from continuing. I am also informed that since I am a XXXX I am not eligible for any sort of XXXX forgiveness which is totally absurd. I make way less than XXXX and we meet all the same requirements as they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a HELOC originally with IndyMac Bank. When that bank failed it was transferred to Ocwen Loan Servicing. I satisfied the loan in XXXX, XXXX and received a letter acknowledging the payoff and promising to record a satisfaction. In XXXX, XXXX I sold the property and the title company found the satisfaction had not been recorded. There ensued a countless chain of phone calls and emails trying to get this resolved. Ocwen said there was a " chain of title issue '' that needed to be resolved. Closing was scheduled for XXXX/XXXX/XXXX and only because of diligence by the title co. were they able to get a letter that allowed closing. 
Today, XXXX I received a letter from Ocwen saying that they are drafting the satisfaction and will send it for recording. In other words the loan has not yet been satisfied of record. 
This is completely un-professional and, in my opinion, quite unethical. 
While they were more than happy to send me bills and accept payments. it seems they never officially owned the loan until just recently. I know the loan was my obligation and I paid it. The contract however is a XXXX XXXX street and they did not hold up their end. They are impossible to communicate with and have no concern that I was selling the property. 
THAT 'S JUST WRONG. Any help in ensuring this does not happen to someone else who did not have such an understanding and dedicated title company will be appreciated.

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

Complaint:
I made a payment of {$1200.00} on XXXX/XXXX/2015 which, as of today ( XXXX/XXXX/2015 ) still has not been applied to my account. The payment is being held in suspense. My mortgage payments are up to date ( next payment due XXXX/XXXX/2015 ) and the payment is not a partial payment ( normal monthly payment is {$950.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing , LLC sent a letter dated, XX/XX/2017, received by my person on XX/XX/2017 via regular XXXX, within which, it states : " Recently, Ocwen Loan Servicing , LLC ( " Ocwen '' ) sent you a Notice of Default due to your loan becoming past due. '' It further states that, " ... ... which puts you in default of your loan agreement and the property may be referred to foreclosure after 14 days from the date of this letter. '' Account holder, XXXX, affirms the following : 1. I am not in receipt of the claimed " recently sent '' Notice of Default as of this date. 
a. I have spoken to XXXX, Agent ID XXXX, on this date, Sunday, XX/XX/2017, starting at XXXX EST to your XXXX customer service number and he advised of the following : i. The referenced Notice of Default has never been sent by OCWEN, thus the reason for my having not received it. 
ii. He has sent a request to the Research Department to find out as to why the referenced Notice of Default has never been sent, yet, it is referenced in the Pre-Foreclosure Referral Letter. To-date, OCWEN has not responded to my request to produce the claimed letter. 
iii. The recording of the call can be traced to this date between XXXX and the end of the call at XXXX. 
2. The letter states a 14-day clock reference as to possible foreclosure action, however, OCWEN 's acknowledged misrepresentation of the existence of a Notice of Default that was never sent to the consumer, makes their threat moot and in direct violation of the terms of the mortgage and applicable governing laws. 
Servicing of my mortgage is totally out of control with numerous misfires, misrepresentations and fabrications, in addition to OCWEN 's silence on the topic. 
I am most receptive to an amicable resolution in light of the fact of the many OCWEN missteps it continues to do and that can have significant consequences on my person, family and our home. 

For an organization to make a representation of the existence and submission of an important document such as a Notice of Default, when in fact it acknowledges and confirms it can not produce the document or any evidence of its existence is unethical and unacceptable. I trust your office can bring some sense into this in reaching an amicable resolution. Thank you in advance for your assistance. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/2009, I graduated and had {$60000.00} worth of private student loan debt. Among majority of Americans, I too were jobless. For a solid year, I did n't have work or the means to pay the amount due for my loans. I took an entry level job, {$XXXX} an hour ... 

XXXX put me in forebearance. Two years later they sold the debt to Navient and my original XXXX balance turned into $ XXXX. I tried to get on a plan to pay down the balance but they wanted $ XXXX a month and would not take any less. They would n't consolidate the loans which all had variable rates ranging from XXXX % -XXXX %. I made a payment of {$1300.00} a month ( as much as I could on my poverty level salary I was receiving. Even with those minimal payments they took action against me, defaulted me, and are currently trying to sue me and ruining my credit so I ca n't even rent a place to live! The loans to date are up to $ XXXX and they ca n't prove to me why or how! I ca n't discharge, appeal, nothing! I 'm drowning and do n't know where to go or what to do! Navient is an evil company not looking out for American students!

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

Complaint:
Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TO WHOM IT MAY CONCERN. 
ON XXXX XXXX MY A.C. WENT OUT ON US SOME I CALL XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX AND XXXX ( XXXX ) XXXX AND THEY CAME OUT THATSAME DAY AND SAID THAT THEY CAN REPLACE THE A.C THE SAME DAY AND THAT IT WOULD FINANCE BY SYNCHRONY BANK OF XXXX, FLA.XXXX  AND I TALK TO THE BANK ON THE PHONE AND THEY SAID THAT I WOULD BE PAYING ABOUT {$50.00} TO {$60.00} PER MOUTH THAT WAS OK WITH. I FINANCE THE AMOUT OF {$6200.00} OF THIS BANK AND THEY SAID THAT I WOULD GET A PAYMENT BOOK IN FER WEEKS THAT WAS OK WITH ME SO I WAITHED ABOUT 3 TO 4 WEEKS AND I DID NOT GET A PAYMENT BOOK SO I CALL XXXX AT XXXX  AND SHE SAID YOU WOUD GETTING THAT PAYMENT BOOK FROM SYCHRONY BANK SO I CALL THE BANK AT XXXX AND ITALK TO A WOMEN THAT AND SHE SAID YES YOU WILL BE GETTING THE PAYMENT BOOK IN TOW WEEKS! WILL THE PAYMENT BOOK NEVER THE PAYMENT BOOK, SO I CALL XXXX UP AT XXXX AGAIN AND SHE GAVE ME SOME PHONE NUMBERS AND THE ONLY THING THAT THESE PHONE RESULTS OF THESE CALL WAS ALL HANG UP ON ME APPROXMATELY 3 TIMESAND THE BANK PUT IN TO A COLLECTION AGENCY NAME XXXX XXXX , XXXX OF XXXX, MO. ITRY TO CALL THE BANK AND THEY JUST HANG UP ON ME I GET PEOPLE IN XXXX, XXXX, THE XXXX. SO I CALL XXXX AGAIN AT XXXX AND SHE GAVE ME ANOTHER PHONE NUMBER TO CALL CUSTOMER SERVICE AND I GOT A WOMEN NAME XXXX TALK TO HER ABOUT MY PROBLEM AND SHE SAID NOT MY DEPARTMENT AND HUNG UP ON ME. SO I CALL XXXX BACK AND SHE SAID THAT XXXX THE FINANCE OFFER AT XXXX  TALK TO THE BANK ABOUT MY ACCOUNT AND THEY TOLL HIM THEY IT WAS THERE MISTAKE ON ALL OF THE ABOVE. BUT XXXX DID NOT GAVE ME A CALL BACK AND NOT THE BANK AT ALL. XXXX SAID THE BANK IS NOT GOING TO HELP YOU WITH YOUR ACCOUNT PROBLEM AND THAT I SHOULD GET LEGAL ADVICE ABOUT MY ACCOUNT PROBLEM WITH SYNCHRONY BANK. AND BY THE WAY THE XXXX XXXX , XXXX WHAT'S {$6800.00} ABOUT {$590.00} MORE THEN WHAT I FINANCE FOR. AGAIN I NEVER GET ANY LETTER FROM THE BANK FOR I HAVE NOT MOVE FROM MY ADDRESS. THEY ALSO WRECKED MY AND MY SISTER CREDIT AT ALL CREDIT BUREAUS AND MY OWN BANK. VERY TRULY 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 2015-08-14
Company: Cooper Hoffman Klein Associates
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from XXXX at my work from Cooper Hoffman Klein and Associates. The caller identified himself as being from the XXXX XXXX subpeona processing department. He said to avoid a warrant and arrest I had to make immediate arrangements with him. I asked for proof of debt. His response was that he is representing an arbitration firm and is not a debt collector. He said he did n't have to abide by rules that debt collectors must follow. He repeatedly threatened me with subpeona and arrest for fraud, that this was my last chance to avoid prosecution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing , LLC, by assignment of servicing rights from XXXX XXXX XXXX , XXXX, caused homeowners mortgage loan to be foreclosed on by XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX Loan Trust XXXX. XXXX instructed the homeowners to stop paying their monthly mortgage payments and to apply for a loan modification, which XXXX failed to properly process. XXXX then declined the loan modification, but failed to explain why. XXXX then offered the homeowners to sell their home for a compromised payoff amount ( short sale ). Eventhough the homeowners had a cash buyer, XXXX failed to finalize the documents and thereby blocked the sale of the homeowner 's home. XXXX actions directly led to the related home being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: NARTEY LAW GROUP, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.

Company response to consumer: Closed with explanation