BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.

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 2017-02-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. 

THIS IS PREDATORY!

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

Complaint:
FAILURE TO EXECUTE CONTRACT AS WRITTEN DOUBLE DIPPING & FRAUDLENT RECORD KEEPING 1. The executed loan modification agreement specifically states on page XXXX ( Please see Exhibits XXXX & XXXX ) that {$170000.00} of the loan amount is eligible for forgiveness, and that the lender shall reduce the {$170000.00} ( deferred principal reduction amount ) by one third on each of the first, second and third anniversaries of XX/XX/XXXX provided that I am not in default. And, I am not in default. 
2. OCWEN failed to apply the reduction on XXXX/XXXX/XXXX per agreement. ( Please see Exhibit XXXX ). 
3. OCWEN again failed to apply the reduction on the statement for XXXX/XXXX/XXXX. ( Please see Exhibit XXXX ). 
4. The Deferred Principal Balance is scheduled to XXXX OUT on XXXX/XXXX/XXXX, but OCWEN 's XXXX XXXX statement still shows the deferred principal balance in the full amount of {$170000.00} ( Exhibit XXXX ). 
5. A XXXX was issued to me for XXXX tax year in the amount of {$170000.00} and a loss was not doubt claimed by the lender even as the lender stands to demand another {$170000.00} from me. 
6. This is DOUBLE DIPPING and it is illegal. 
7. All these show that OCWEN continues to violate its agreements with the regulatory agencies and attorney generals of states and continues to defraud its loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Ocwen Financial Corporation
State: ND
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen did not pay the hazard insurance through the escrow. this is the 3rd year we have had issues with them making this payment even though we pay into escrow for it to be paid. Now they are threatening to buy more expensive insurance or make us pay out of pocket for something they should have paid already a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has consistently called my cell phone number at various hours throughout the day, sometimes back to back but when I answer no one is on the other end. If I allow the call to go to voicemail, no message is left. I discovered that they were calling from various numbers after XXXX the phone numbers. I have contacted Portfolio Recovery asking that they validate the debt that they say I owe through email, certified mail, and phone but to date I have not received anything. This has been going on for several years and I would like them to cease all collection tactics and remove the collections from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: United Debt Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I took out a loan through XXXX last XX/XX/XXXX. I have been contacted by a law firm in Texas called XXXX XXXX XXXX XXXX XXXX, saying that I owe {$700.00}. I live in Ohio and this company is in Texas. I contacted XXXX, and my debt was sold to United Debt Holdings ... and the debt was for {$500.00}, verified by XXXX, and UDH. United Debt Holdings told me that they sold it on XXXX XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of Georgia. None of this makes sense since I am in Ohio. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much. 

FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.

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 2015-09-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently closed her Synchrony/JCPENNEY credit account ending in XXXX. At the time of closing and cancelling of the account in question, She was told there was a zero balance. 
She continued to receive statements showing balances. She wrote a check for the balance {$31.00}, XXXX check # XXXX dated XXXX/XXXX/2015. 

She continued to get statements. On calling she was told that the reoccurring fee was for life insurance. She told the Synchrony /JCPENNEY agent that she never ordered life insurance. The fact that the account was closed with a zero balance fell on deaf ears. At this time it was communicted to the Synchrony /JCPENNEY agent that her perception of the continued statements for insurance she nver orderd is HARRASMENT. In this case elderly HARRASMENT. At this time it was communicted to the Synchrony/JCPENNEY agent the desired resolution. She asked for removal of the fees for the life insurance that she never ordered. The Synchrony /JCPENNEY agent was also advised that if the harrasment continued, complaints would be filed with the CFPB the FTC and the Texas State Attorney General. 
The statements continued. Another call was made to Synchrony JCPENNEY. At this time a request was made to speak to a manager She was told that a manager was not available. Again the fact that she never ordered this life insurance and felt harrased, fell on deaf ears. At this tme a verbal cease and desist request was made. XXXX continues receive the threatening statments from Synchrony JCPENNEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in 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 explanation
Consumer complaint received 2015-11-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted by XXXX Debt Collection on a debt that is not mine. I do not have an account with them. I 've asked XXXX for them to quit calling, however they continue to call and actually since answering the phone, the number and frequency of calls has increased. They call at least XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XXXX, after XXXX military service. I moved back to XXXX XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) XXXX XXXX, XXXX is the collection company in the states, represented by XXXX in 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 explanation
Consumer complaint received 2016-02-12
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Rewards

Complaint:
My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. 
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. 
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.

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 2016-06-17
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.

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 monetary relief