BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification from Ocwen Loan with no success. 
This has been going on for years. Now they told me they were giving me a modification. I did everything they asked me to do. Now they just denied me again for some bogus reason. They stated that my income is not enough. This is a XXXX account. My mortgage was sold so many times without my knowledge. Many of my payments did not get reported. Now they created a balance that I do n't owe This is a NIGHTMARE. Ocwen said that the LENDER IS XXXX Bank. XXXX Bank is not on my PROMISARY NOTE!!! OCWEN IS NOT ON MY PROMISARY NOTE EITHER!! THEY ARE TRYING TO STEAL MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow-up into my previous complaint # : XXXX, filed with the Consumer Financial Protection Bureau against Ocwen Loan Servicing , LLC . 
Ocwen Loan Servicing , LLC responded to it in its response dated XXXX/XXXX/2015. By all measures and explanations and details which Ocwen submitted, this response makes an absolute mockery to the American Financial Institution because it is contemptuous, filled with made up facts and wholly untruthful. 
On XXXX/XXXX/2015, I downloaded a Pay Off quote from Ocwen 's Website and which was also subsequently mailed over to me, probably corresponding to their quote dated XXXX/XXXX/15 in that table which they submitted. This table also refers to XXXX other quotes dated XXXX/XXXX/15 and XXXX/XXXX/15 which perhaps reflect quotes which they would have submitted to XXXX XXXX XXXX, XXXX, and which they claim not to know anything about! 
Ocwen states that on XXXX XXXX, 2015, it disbursed the sum of {$2900.00} for property taxes to XXXX County. In fact, on XXXX/XXXX/2015, I contacted the XXXX County Property Appraiser agency ( XXXX ) which infromed me that said property taxes were actually paid on XXXX/XXXX/2015, the day after my closing sale, and finally the Tax Collector 's office ( XXXX XXXX ) to which I was referred to, stated that the payment was actually made by XXXX XXXX. This absolutely refutes Ocwen 's assertion that it paid the taxes on XXXX XXXX, 2015. 
Ocwen also states that Ocwen received funds to satisfy the loan in full on XXXX XXXX, 2015. Actually, it happened to have been on XXXX XXXX, 2015 that XXXX XXXX XXXX, XXXX wire transferred the sum of {$170000.00}, the loan Payoff amount to Ocwen. And yet, Ocwen goes on a tirade that it would never have been in contact with XXXX XXXX XXXX, XXXX! 
In their Payoff Requirements And Conditions, Ocwen had written that the wire transfer at closing was to be made to Ocwen Loan Servicing , LLC, with Bank Address : XXXX XXXX XXXX. Is it that Ocwen Loan Servicing , LLC is an affiliate/subsidiary of XXXX? 
For what reason did Ocwen feel obliged to totally misconstrue the facts?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Ocwen Financial Corporation
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ocwen Loan Servicing continues to send us letters and harass us by phone. They are incorrectly showing at the XXXX bureaus that a piggyback XXXX mortgage ( purchase money - not a HELOC ) that was foreclosed back on XXXX/XXXX/XXXX is still open and the account past due. Arizona is a non-recourse state.Based on my credit report from XXXX, Ocwen had charged the account off on XX/XX/XXXX with no activity ( XXXX ) until XX/XX/XXXX - when they decided to inaccurately report the account " open '' and 180 days late. I have called OCWEN on numerous occasions but OCWEN continues to call us weekly and sending numerous bogus " Mortgage assistance Resources '' letters - 6 years after foreclosure. As I said this was a " Purchase money '' piggyback XXXX mortgage - NOT a HELOC loan. Ocwen seems resigned to blackmail our credit with the bureaus and harass us for a 6 year old foreclosure ( XXXX mortgage ) that was written off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX my mortgage company fail to pay property taxes for my house, and on XXXX XXXX my town was going to sell my house on a public sell due to unpaid taxes. I contacted the bank immediately and the taxes were paid including any late fees and penalties, but the next year they adjusted my escrow account. It increased by about XXXX XXXX dollars for about twelve months. My mortgage was sold to my present mortgage company back in XXXX. I had an escrow with the other mortgage company that had the founds to paid for the taxes and insurance for the year XXXX. I had contacted the bank several times with the problem, and I had been told that they are going to investigate, but nothing. When they adjusted my mortgage in XXXX ; I went late on my payments, right now I am 1.5 months behind with a bunch of late fees and penalties on top of that. I know that the mortgage company owns me the money, they made me pay when they adjusted my escrow account in XXXX, because that money was paid in XXXX to the previous mortgage company. 
Please contact me with any questions and help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.

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 2016-04-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ZARVAD III S.A.
State: NV
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have been paying {$180.00} a month through direct debit withdrawal from my checking account for several months on a {$600.00} loan. The {$180.00} a month was an " Extension '' that I thought was installments to satisfy the original loan. This company has received {$2000.00} in fees on a {$600.00} loan and I still have a balance due. They did send me a contract that I agreed to in haste and did not clearly understand. Although I understand payday loans, how is it fair business to charge this amount on a {$600.00} loan? This equates to over 300 % interest in just an extension fee??? There should be a cap on what they can charge you for fees.. {$180.00} a month as an " Extension Fee ''!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Alco Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 XXXX XXXX XXXX sent a debt to alco collections that was disputed. All details are in files attached. There is no way to pay or even contact alco collections and XXXX  will not remove it from my credit even though the other two bureaus have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
My card was closed by Blackhawk and they are taking their time getting the funds back to me. I have submitted all the docs that they need, yet it is taking them a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07
Company: HW Holding, Inc
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. 

The debt for which I am being constantly harassed is my son 's wife ' s debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Cohen McNeile & Pappas, PC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: 21ST MORTGAGE CORP.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?

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

Complaint:
This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.

Company response to consumer: Closed with explanation