davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

i submitted a short sale to ocwen on XXXX-XXXX-15all financials and the package was complete they even said it was. 
i went through heck working with ocwen trying to get them to approve the current offer submitted to the bank, it is like they do not listen or like XXXX or something. I do not understand how they can have me foreclose because there is not enough time. 
question ocwen : does it take 60 days to determine that there is not enough time. maybe if you processed the paperwork in enough tie we would have more time to market the property at your ridiculously overpriced value of 110,000. my home is in XXXX. it is valued at about 50,000. please help me to get the foreclosure date postponed it is set XXXX. 
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?
Consumer complaint received 2015-12-24
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC (VA)

My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. 

Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. 
Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. 
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. 
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. 
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. 
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. 
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. 
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. 
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. 
Your assistance is greatly appreciated.
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KY)

36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING
Consumer complaint received 2016-03-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (FL)

XXXX claims they sent me something and I never received it. I moved and did n't know they sent anything. They expected me to pay. I will not pay this as I am not obligated to pay for something I did not receive. They sent the debt to Alliance One for payment and they are rude and they hung up on me when I told them to please stop calling me. No matter how many times they call, how many years pass, I will not pay them the XXXX $ they say is owed or anything else. Calling me is completely pointless and leads to nothing but feeling harassed.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.A.Rogers, Inc. (MD)

I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (IL)

Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?
Consumer complaint received 2015-12-21
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (NY)

I have been making charitable contributions of money to individuals in XXXX for approximately three years through Western Union , Inc. These are now XXXX very poor families. There is nothing unlawful or divisive about these contributions. Lately I have made nearly XXXX transactions per month of small amounts of money for these families to purchase food, clothing and other life necessities. Suddenly I was arbitrarily and capriciously blocked from using their services. An action quite contrary to their advertisement. I have sent emails as I was directed by the company 's email and spoken to several company representatives to no avail. On XXXX XXXX, 2015 I was on the phone with XXXX different individuals for more than an hour and was told by the last individual that the action was result of a " business decision ''. Each individual indicated they did not have privilege to the information relative to the reason for this action. Whereas my attempts to interact with the company for resolution have each failed I turn to this agency for assistance with resolution.
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P. (MD)

NEW COMPLAINT NOT A DUPLICATE : LVNV Funding continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (WA)

The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.
Consumer complaint received 2015-09-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (IN)

My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NC)

I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Nationwide Biweekly Administration, Inc. (CA)

I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.
Consumer complaint received 2015-12-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase is not crediting my 2 years of principal payments or trial payments to a new loan modification offer, after I became unemployed for 6 months. I made all my deferment payments and all my trial payments and am now gainfully employed again. So they are in my opinion, stealing all the principal payments I made prior to becoming unemployed and unable to make my normal payments, as well as, in my opinion, stealing my trial payments. None of them were applied/credited to the new principal balance offered in my new loan modification documents. The principal balance was completely misrepresented at a loss for me of approximately $ XXXX principal dollars.
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Credit Service, Inc. (SD)

Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Resurgent Capital Services L.P. (NE)

I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. 
I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. 
It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. 
How do I make them stop?? 
I call and they are rude and disrespectful. 
I do n't know what else to do.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.