BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: First Associates Loan Servicing LLC
State: VA
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:
I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had XXXX experiences with OCWEN Loan Servicing that appear to be related regarding property insurance. My mortgage was structured to have property insurance paid from my escrow account. My insurance company sent a request for renewal to OCWEN to be paid form my escrow account at the time of renewal XX/XX/XXXX. OCWEN failed to pay the coverage and notified me that my property was no longer insured and that I would have to buy property insurance from them. This took several days to clear up. 

I recently sold my property XX/XX/XXXX. I canceled my insurance the day after the closing. Again, OCWEN sent me a letter stating I would have to buy property insurance form them to cover the property, despite having already sold the property and paying off the account. They sent me a certified letter dated 2 months after my property was sold. This is just ridiculous record keeping and the fact that this happened XXXX with their insurance department makes me question the sincerity of a simple miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Centron Services
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is for the property in the Estate of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX KS XXXX. This estate is in probate and this has been approved by the court for me to purchase the property. I have Secured Title of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX Phone XXXX ) to manage this process. We had a mortgage pay off letter from XX/XX/XXXX, but the Title company obtained with my permission a new on XXXX XXXX XXXX. I have attached both of these items. We sent payment in full for the amount on the XXXX XXXX letter from Ocwen. Then On XXXX XXXX, XXXX, Ocwen contacted the title company stating they had not received the full payment but refused to send the documentation to the title company. The title company told Ocwen to contact me. I received 2 phone calls with nearly unintelligible messages and not form a number showing up in caller ID as Ocwen ( XXXX ). When I was able to determine that the word 'Ocwen XXXX was uttered in the second message I called the title company. The title company explained what they knew. I then called Ocwen and inquired. Ocwen stated that Ocwen had an accounting error and that the following things had been incorrect on the payoff letter 1 ) the interest was to high 2 ) there was a missing title search fee 3 ) that there was a missing foreclosure fee. I explained that we had paid the full amount of the XXXX XXXX pay off letter, which they have not applied to the mortgage. I also explained that I had never requested a title search and I would not pay for it. ( side note : if they provide a clear title search it is 100 % fake the title company can explain ) I also explained that it was not in foreclosure and could not go into foreclosure since it was an estate in probate. I was clear that I would be perusing legal means to clear this fraud on their part up. When they sent my new payoff letter over it also included a late fee for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Ocwen Loan Servicing is not able to account for XXXX months of payments since XX/XX/1999 and the XXXX Office have reviewed the complaint filed against Mr. XXXX and found that he violated the Notary Laws of XXXX tand The XXXX as Trustee received the notification, This has caused detrimental harm to our home. We are requesting a discounted /short payoff and release of all claims as a result. Currently I have a fixed rate with a HUGE ballon payment that 's due at the end of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. 
I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern

Company response to consumer: Closed
Consumer complaint received 2016-01-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
During my loan modification thru Making Homes Affordable GMAC tacted on {$30000.00} to the end of my loan. They sold to XXXX and XXXX stated there was nothing they would do about it. XXXX also did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection recently showed up on my report for {$250.00}, for what looks like an apartment management company as the original creditor. I Googled the original company, and while I 've lived in XXXX of the states where they have complexes, never in those cities ( e.g. lived in CO, but not XXXX ). I even looked up the old complexes that I did live in, and they have n't changed management. I wrote a letter to the collection agency stating that I need proof that the account is mine, and I stated everything I stated above. I went on to say that if I found that I was responsible for the debt, I would pay it promptly ( I have moved 5+ times in 2 years, so I 'm not trying to skip out on a debt, I may have just missed it ). I also disputed it across XXXX, XXXX and XXXX, but it comes back saying " Updated : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The collection agency has not responded to my letter, however, on my most recent credit report update, the collection is now reflecting as " closed ''. But it is still there as a negative mark. I do not understand. Are they unable to validate and instead of telling me that and removing it, they just mark it closed? This is negatively impacting my credit score at a time when I am trying to rebuild.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. 
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. 
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. 
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. 
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. 
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. 
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. 
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. 
Regards, XXXX XXXX XXXX : Ocwen Mortgage

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

Complaint:
We have our mortgage through Ocwen. For several years we have paid extra on all our monthly payments. When I called Ocwen, they said they have a separate account for the overpayments which is about {$800.00} now. They have not been applying the extra money to the principal but instead have been keeping it in a separate account. It was my belief that these extra funds were legally supposed to go towards the principal. What is my legal recourse? 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made multiple requests to XXXX and XXXX to send me proof of this debt owed and still have not received. They send back a letter stating verified. I have contacted Ideal Collection Services to ask for a contract between them and I but have not received anything. I am currently threatening to be homeless due to apartment agencies and mortgage companies showing I owe money to an apartment complex that I do not owe. They also have these documents under XXXX XXXX and I was not XXXX XXXX at that time due to my divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation