BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Having escrow problems with Ocwen Mortgage Co.. I have a Hamp loan that started in XX/XX/XXXX, that loan was prepared by a XXXX XXXX XXXX That loan was sold to Ocwen in XX/XX/XXXX 
Have had trouble with the escrow of my wind/hail since the first year!! When I talked with company they said it was n't built into the loan that was tranferred to them?? Then I was told that the amount was escrowed in a different dept, that was in XX/XX/XXXX Last year, XX/XX/XXXX, I had to pay the wind & hail on my credit cards to ins co.. Wind & Hail is required in the area we live in it is a coastal community!! It is paid to the XXXX XXXX XXXX You ca n't paid that in payments it has to be full balance, that is why it has been escrowed in my loans!! They are escrowing now, at my request, but never imagined that they would escrow me out of a loan, my monthly payment went up XXXX + dollars, two months ago.. This makes the loan out of reach for me, this is why I have the Hamp loan to begin with!! As of now my Hamp loan is at the five year mark and readjusts XX/XX/XXXX.. It goes up 1 % .. Ocwen has sent a letter giving the amounts for XX/XX/XXXX, it goes up another XXXX+ dollars, making the loan which is now out of reach even worse!! I am XXXX & XXXX living on a XXXX.. I am requesting attention to this loan & escrow payment myself to Ocwen.. Really do n't wont to have to start over with another Hamp loan !! But at this rate it seems I might not have a choice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: West Realm Shires Services Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I transferred XXXX to XXXX via XXXX. It was supposed to be able to be withdrawn by XX/XX/XXXX. But now on the XXXX, you can no longer login to their website and they have declared bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was told by phone and in my loan modification one payment and it has now change. My escrow account seems rig. I did n't sign or agree to no other payment. Ocwen is still ripping homeowners off and lying about their agreements. Every time I call each rep gives me a different answer than the other..And they just say I 'm sorry ''. And I say sorry does n't help me. They need professional people that know what they 're talking about and not hang up on their customer. Yes an Ocwen rep hung up on me on XXXX XXXX at approximately XXXX. It appears he got frustrated because he could n't answer my questions. I called back, and all the next rep has to say is " sorry ''. I 'm XXXX off with Ocwen and they need to be legally check again for their mishaps..They are wrong, AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank : XXXX XXXX XXXX XXXX XXXX : OCWEN ISSUE : ASSIGNMENT OF NOTE MADE AFTER BANK WENT BANKRUPT ( XXXX XXXX XXXX bankruptcy XX/XX/XXXX XXXX, assignment to XXXX XXXX being used to foreclose dated XX/XX/XXXX was signed by " attorney-in-fact '' for XXXX XXXX XXXX, who works for old bankrupt bank and newly assigned bank ( XXXX XXXX ) loan servicing company OCWEN, who has been fined XXXX by the federal government as has XXXX for fraud, yet we are still in foreclosure!!!!!!!!!!! 
Issue : We have been in foreclosure since XX/XX/XXXX. It is XX/XX/XXXX. Back then my husband had lost his XXXX figure job and then took a $ XXXX/Hr job, now he is back to nearly XXXX figures, but we are still fighting foreclosure! The bank is using ROBOSIGNED FALSIFIED DOCUMENTS IN A COURT FORECLOSURE STATE, ( CT ), BUT OUR ATTORNEY WOULD NOT ARGUE THAT BECAUSE JUDGES DO NOT LIKE TO USE " FRAUD '' BY BANKS TO " GIVE HOUSES AWAY ''. The mortgage originated with XXXX XXXX XXXX XXXX XXXX XXXX went bankrupt XXXX XXXX, XXXX. HOW WAS AN ASSIGNMENT OF OUR MORTGAGE SIGNED BY AN " ATTORNEY-IN-FACT '' for the XXXX XXXX XXXX Mortgage by an OCWEN employee and notarized by an Ocwen employee with initials of reported robosignors in XXXX XXXX? FACT : THE ASSIGNMENT OF OUR MORTGAGE TOOK PLACE TWO YEARS AFTER THE MORTGAGE COMPANY WENT BANKRUPT AND THE ASSIGNMENT WAS SIGNED ON BEHALF OF THE BANKRUPT BANK TWO YEARS POST BANKRUPTCY. There is a " lost note affidavit on file. They had to have some " PROOF '' they had the right to the house, so why not falsify the assignment to XXXX XXXX who is actually the trustee!!!! acting on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX to whom the mortgage was transferred purportedly?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
PHH Mortgage has a sale date on a home that has been sold twice by fraud. 

PHH Mortgage claiming ownership to a property that XXXX XXXX  signed an illegal judgments PHH Mortgage is attempting to collect a debt without a contract, which equals a lien, which this party does not hae. As the loan is fraud. The original company was sued by XXXX  XXXX, XXXX XXXX, who did not have a contract to obtain a lien. the XXXX  XXXX  already made a ruling and all the loans was, kept Lost the loans as they sue XXXX XXXX  sued PHH Mortgage received a transfer from OCWEN while being barred by status of limitation transferred inside a bankruptcy XXXX party by the name of XXXX XXXX  XXXX  XXXX  who impersonated XXXX XXXX XXXX 2012 obtained an illegal judgment A lawsuit was filled against XXXX XXXX, as they have no rights as they did not have a contract, which equal XXXX this is intentional Fraud A second Judge tamper with XXXX  order and gave the property to another company Now any person with any sense knows it is illegal to sale a home more than one. There can only be one owners

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI. 

Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint. 

We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard. 

Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome.  In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office. 

My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company. 

I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear can I am trying to apply for refinancing under harp. And Ocwen. Has put me. Late payments. When that is not true and banks are denying me for a principal refuction

Company response to consumer: Closed
Consumer complaint received 2016-12-21
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Never gave my Employer Number to Contact. Not allowed to receive these calls at my place of business Called and Claimed to be from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I contacted Wells Fargo Customer Service on XXXX/XXXX/16 via phone from XXXX PST notifying them of a charge that was going to be making, a purchase with my debit card for {$4000.00} USD from a hospital in XXXX XXXX , because I needed immediate medical treatment or XXXX. I was XXXX with a life threatening issue and was seeking medical attention to save my life. Wells Fargo told me on the phone they would not allow the purchase even though I had sufficient funds in my account and a balance of about {$5500.00}. Wells Fargo refused to allow this purchase while I was literally begging them with my life to let the purchase go through. Literally, I am in the hospital waiting room XXXX and Wells Fargo would not let me access to my money. I explained all of this and the Wells Fargo Customer Service rep hung up on me and refused to let me access my money. I had thee hospital run the card anyways in desperation but it was declined. In XXXX XXXX hospitals do not just treat you, they require payment up front, it is not like in XXXX. I had to get into a taxi cab XXXX, take the taxi back to my living quarters, get a different debt card for a different bank, take the taxi back to the hospital and use that other card to save my life. Wells Fargo knows I frequently travel to XXXX XXXX, they have this information on file. I was using my account for small purchases regularly. What Wells Fargo did is beyond unacceptable. It was extraordinary that when a customer is on the phone, fully verified, with available funds, explaining the urgent and life threatening need to access to their money, and to be refused and hung up on. Wells Fargo should be put out of business for treating its customers this way. It is despicable. It is wrong. XXXX I could have died. To put a XXXX person through this ordeal should be criminally punishable. There was no excuse for the negligent handing of my phone call and XXXX on my life by Wells Fargo that day by refusing me to access my money to pay for my healthcare needs.

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 explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.

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 explanation
Consumer complaint received 2016-03-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.

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 explanation
Consumer complaint received 2016-07-19
Company: First Associates Loan Servicing 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:
I was a student at XXXX XXXX in 2009, I was never informed that I would have to begin paying back the loan to Peaks if I stopped attending XXXX. After graduation I was unemployed so I exhausted my deferment, after that I used their other program where I was only paying towards the interest rate of the loan. I began attending the university XXXX and let them know I was in school so that I could get an in school deferment ; they then stated they did n't have that option since I was n't attending XXXX. I have been struggling to pay back the loans but I have been making the payments for the past 3 years without ever being late. I am now filing for bankruptcy chapter XXXX and also going to be starting my XXXX XX/XX/XXXX. On the website they have an in school forbearance form but when I call to let them know I 'm going to start school they say I 'm not eligible for it which makes no sense. when I ask them why they are n't able to give me a legit reason why I cant sign up for it. There were many times where I called to let them know I was still in school and was struggling to make ends meet but they basically closed the door in my face every time I 'd call. I 'm an expecting mom and in the process of moving out of my parents house, I make less than XXXX dollars every two weeks and have other bills I have to pay. once I start paying back my student loan I only have about XXXX dollars to survive because I have car, insurance and medical bills as well. Someone please help me. Peaks Loan is a Fraud and XXXX misleads their students into getting into debt and fail to explain the fine print on their loan services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with OCWEN XXXX, and I want to file a complaint against them because they are continually charging me fees for late payments I had last year. I was late on my payments up until XXXX of 2014 and they charged {$15.00} to drive by the house as well as certified mail charges. I got paid up in XXXX and have not been late since, however periodically I am getting more certified charges added to my bill and I do not believe that it is correct, I have kept all paperwork from them, which they are justifying their charges but I do not believe are correct. I want this to stop, and ca n't get anything done with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-07
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.

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