BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Ocwen Loan Servicing , LLC company sent me a letter saying that my insurance coverage is insufficient because my " deductible exceeds permitted maximum. '' This is inaccurate. I called and actually they are just trying to sell me THEIR insurance coverage by trying to confuse me into thinking I am insufficiently covered by my present company. The letter also includes " Important Bankruptcy Information '' and says it is a communication from a debit collector. We have ALWAYS been in good standing and have no financial problems. I believe this company is fishing through its customers, threatening them, and trying to get insurance business in an unethical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC has been since XX/XX/XXXX playing a game with the mortgage of our home. Since XX/XX/XXXX despite the monthly checks in the correct amount of each monthly payment they have rejected them, stating there is an escrow, because we had an insurance company with another company besides them -- something in which has been done since the loan originated, therefore NO ESCROW was ever on the original account. Then recently when XXXX payments sent in the amount ( s ) of {$1600.00} and {$2900.00}, after confirming with the XXXX that the Priority Letter Package was received with a signature in return, I call to check on this and I get told they have only the {$2900.00} and have sent a foreclosure notice. We have XXXX loans with them, and it has only been until recently out of 14 years they have started playing games and I document everything, the names they use, which are never in XXXX, not that I am against XXXX however the employee ID 's they provide never match, the FAX numbers they provide according to XXXX " supervisor '' is correct and the next " supervisor '' they are incorrect or the same " supervisor '' will backtrack and try to cover up and say " If I told you that, I was mistaken that is the correct and proper working FAX at this time/or/most current FAX number at this time. " This company is anticipating on their consumers to not write names or numbers down or keep an accurate record of dates and times. They have held on this XXXX account only our checks each month for more than 4 weeks ( the law states 14 business days max ) then either cashes them and waits for them bounce if you forget they were out there ( error made XXXX ) and or send them back to you and tell you they can not cash them because of a false balance on your account, accruing more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: NATIONWIDE ACCEPTANCE LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016, I contacted Nationwide Southeast LLC to inquire about a letter I received over the past weekend from Nationwide Southeast LLC about my payment being past due. They informed me my {$210.00} payment was due XXXX XXXX, 2016 and now I owed $ XXXX.+ due to a past due amount. I informed them the car I purchased XXXX XXXX, 2016 was involved in an accident around XXXX XXXX, 2016 and the car was a total loss. I paid the payment in XX/XX/XXXX knowing the insurance claim would not have been processed by the payment due date. The insurance company sent a payment of $ XXXX.+ They confirmed they received that payment on XXXX XXXX, 2016 and it " went towards the balance, '' however, I still owed for the " payment due. '' I asked why the insurance payment was not used for a payment that would have been due XXXX XXXX, 2016. They stated it went towards the balance, but I still owed the payment due amount. I asked again why the insurance payment would not go towards both a balance and payment due. Of course it was a circular conversation at that point. 
I am filing a complaint because they are concrete in their explanation and it does not make sense to have a very much reduced balance that is not considered to have sufficed for the XXXX XXXX, 2016 payment. I called today to ask for a breakdown of how my payments have been used to pay against the balance. They stated they had to mail it to me because it is not their policy to email or fax that information. This will cause more interest to accrue against me. I do not mind paying the payment, however by the end of the month the GAP claim should provide the remaining balance to be paid and I am concerned that if I over pay, I may not get a refund in a timely manner or in the amount that would actually be due back to me. 
My view is that a reasonable resolution would be for this to not reflect negatively against my credit, and for the payment due on XXXX XXXX, 2016 to be considered the $ XXXX.+ amount sent by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? 
Was ONEWEST Servicer? 
Was CIT Bank N.A. Servicer? 
What was Transferred? 
How Much was Transferred? 
What Type of Loan was this? 
I have Reached out to ONEWEST Bank and they have Refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though, I was somewhat relying on the police to find the fingerprints, and catch whomever it was. 
The trouble began on my very first call XXXX XXXX, to report the fraud, the representative only took XXXX item down, to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation, and then paperwork to fill out. 3 days went by, and only XXXX credit was applied, and spent several hours with several reps, adding the additional money transfers one by one. They ( for some reason ) created a case for each item. 
I complied with their request for information, and the forms signed. I was issued a credit, later to find out, that there were still fraud transactions being processed through my account, from the same company. I called to notify them, and an agent in the disputes department, " XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in, she stated she did not care, she was reversing every credit previously applied. I asked her why? It seemed very personal, she became angry, short, and rude, and told me she believed I did the transactions. It was a complete nightmare, of chaos, disorganization, and mistakes from representatives from then on, until my account was closed, without notice, because I told them they were violating the Fair billing act.

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

Complaint:
Ocwen has reported my mortgage two months behind to XXXX or more of the credit bureaus. The result, is I was denied the opportunity to open up a credit card account with XXXX more companies. 

My mortgage was recently modified, and I made all of the payments required. Ocwen repeatedly violates the Fair Reporting Act by erroneously reporting late payments when in fact during the process of a modification payments are placed on hold. These continuous violations create a financial hardship on me and I need them to be corrected immediately to avoid any further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My issue is that I continue to get billed for interest charges on an account that has been closed since XXXX 2016. This account was opened for an order that was cancelled. Upon cancelling the order, I 'm not sure why the charge for the XXXX membership remained but once I became aware of it, I paid it including the late fee it assessed for a total of {$21.00}. 

I spoke with your customer service team in XXXX and was told that upon paying the {$21.00}, my bill would be settled but it 's not as the interest charges continue to accrue. When I call XXXX, they tell me I need to deal with Comenity Bank and when I 've called your customer service, they can not understand why the charges have accrued and tell me to call XXXX. 
I 've sent certified letters to Comenity and also contacted XXXX via email but have not received a response and the interest keeps accruing on my account without being able to speak with someone that can resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I use to have an account with XXXX under the name XXXX XXXX when I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. I no longer live there as of XXXX when my account was closed with a balance of XXXX. I moved into a different unit and switched to a different wifi company and have not used XXXX XXXX in months as the service was no longer available, my account was closed, there was no way to log into that account. Then I started receiving these bills. I have reached out to XXXX customer service multiple times and nobody ever has a valid answer for me. I asked if there is any account I can log into too and they told me no because the account no longer exists yet I am still receiving bills totaling {$510.00}??

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 2015-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I 'm not sure this is your issue to handle as there is no category for it ... 
XXXX XXXX XXXX has been over-charging me monthly since XXXX, 2015 by up to {$100.00} a month. I call a representative a couple of times every month to get the issue resolved and, while they are very helpful, the information seems to go nowhere and I have to deal with the same problem monthly. I am told that it 's their error and my account will be refunded but I am still waiting for the Errors to be corrected. I will submit documentation once you tell me this is an issue you with which you can help. My XXXX XXXX XXXX fees are deducted from my credit card ... I would call the credit card company and dispute it but I do n't want my phone service stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Resurgent Capital Services L.P.
State: PA
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: Investigation took more than 30 days

Complaint:
Since the companies, XXXX, XXXX, & XXXX violated the FCRA. I am requesting that the credit reporting agencies removed the fraudulent, incorrect information from my credit report. As soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Fleet Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2015-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I received XXXX XXXX from Chase bank in XXXX of XXXX. These cancelled the debt 's I had owed them on XXXX credit card accounts. They continue to report these accounts as late and with a balance, even though they were charged off in XXXX and cancelled effective XXXX XXXX. I paid the taxes on the cancelled debt as income on my XXXX tax returns. I have disputed this information multiple times with all three credit reporting agnecies and Chase always refuses to change the informaiton. I have attached the XXXX XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX, service connected, and I have submitted both a letter and statements from the XXXX County Property Appraiser office indicating that the taxable value for my home is {$0.00} and the customer service representatives, to include a supervisor name XXXX, has stated that these documents are insufficient. Based on their non-acceptance of these documents, which according to the XXXX County Property Appraiser ( XXXX ) are the only documents they can provide. The XXXX says they can not provide an official tax statement prior to the end of the tax year and Dovenmuehle Mortgage Inc is demanding one now in order to adjust my escrow to reveal a {$0.00} amount for property taxes, instead they have raised the amount of taxes to be paid for 2017 which is WRONG. I do n't know if this is an issue because the mortgage company is outside of FL or not ; but according to XXXX these documents have always been sufficien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Loan I thought was always in forbearance to avoid any late payment being posted to the credit company 's and was never notified about loans being out of forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: FL
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 can not afford to continue making my full monthly payments to Navient. When I called the company to request a reduction in payments, they stayed my income was too low per month to qualify me for reduced payments. I explained that with my current income I can make payments every month, but not at the current high rate I am being charged. They then informed me forbearance was my only option. This is not something I want, as I want to continue paying on my loans however I can no longer afford paying XXXX dollars per month.

Company response to consumer: Closed with explanation