davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have XXXX identical ARMs on XXXX adjacent condos. 
Ocwen purchased my ARMs and started adding a {$2000.00} insurance charge onto the Mortgage. Ocwen claims that my mortgage documents allow them do to this. They claim that unless I specifically disclose insurance on the interior of my units, they can insure the interior, and add their expense to my principal. They have refused to provide any signed documents that prove my responsibility to make a disclosure. They have already lost a {>= $1,000,000} class action settlement on this issue - they were charging people inflated amounts for insurance and pocketing kickbacks. 

XXXX
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (DC)

In XXXX of this year, Ocwen agreed to pay XXXX XXXX and provide {$190.00} XXXX in debt forgiveness in settlement with the State of California for amongst other things, Failure to submit correct information to credit reporting agencies on borrowers, jeopardized borrower 's ability to obtain loan modifications, provided inaccurate information on notices of default, Robosigning affidavits in foreclosure proceedings, Please notice that my monthly Ocwen statement of XXXX/XXXX/XXXX stated that my reinstatement amount for that date was {$280000.00} However on my credit report, the amount past due was entered as record for the amount of {$300000.00}? 
Can you or your client XXXX Bank, or it 's servicer Ocwen LLC please explain the difference or reason for the markup? ( see attachment ) Secondly, on the delinquency notice dated XXXX/XXXX/XXXX, My mortgage reportedly first became delinquent on XXXX/XXXX/XXXX, however, if we examine the initial default letter from Litton, I was deemed in default of my loan as the borrower on XXXX/XXXX/XXXX. ( and we should be mindful that on the credit report Ocwen, not Litton assumes ownership of this loan since it was initiated on XXXX/XXXX/XXXX ) ( see attachments - credit report and delinquency notice ) Also, Ocwen robosigned my affidavit, with the incorrect birthdate of course, while refusing or ignoring to acknoweledge recipt of the affidavit that I sent you and Ocwen dated XXXX XXXX XXXX. I sent the affidavit directly to Ocwen four times. ( see attachment )
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.
Consumer complaint received 2017-01-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Applied for a Home Affordable Modification with Ocwen Loan Servicing , LLC and was approved for a three month trial of {$380.00} a month. I made all payments on time and was sent the documents to sign for approval but upon reading the documents this look like extortion. If I could not make my monthly payments due to a injury at work which caused me to be XXXX and a very significant decrease in my income what would make them give me a modification where I make monthly payments in the amount of {$380.00} for 23 months and have a balloon payment of XXXX which is the beginning principle balance. So, what happened to making the loan affordable for the homeowner to keep their home this is more like pay me some money dummy and I still keep your home. The home was going to auctioned off anywhere between $ XXXX in the year XXXX. I guess it is a good thing I can read. I filed bankruptcy due to this injury and was trying to do the right thing and pay for the property because it belongs to my mother who has been helping me through this process. I would love to keep the home so my mom can return when the time is right but I will not be a fool. I know this company has many complaints and bad reviews at the XXXX and I can see exactly why. I thought they were wrong for telling me not to send in my payments to catch it up when I got out of the hospital but this right here takes the cake. This is not an Affordable Home Modification at all. I also told my agent that I had not received my documents and they still sent documents with the XXXX deadline and it was clearly delivered in XXXX just another dishonest tactic. If payments are being made please tell me what is it being applied to : Somebody Pockets because it is definitely not the loan and at what point did Ocwen try to work with me by only dropping the interest rate and not applying the funds to the loan but applying fees. I see that number 2. was just ignored completely : If my representation in section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XXXX/XXXX/XXXX ( the " Modification Effective Date '' ) and al unpaid late charges that remain unpaid will be waived. Because I do n't agree to add all amounts including arrearages, unpaid and deferred interest, fees, escrow advances and other costs. If I could have made payments we would not be at this point. It is called a Home Affordable Modification not Unaffordable Home Modification. Please tell me what average person has XXXX to just give at one time. ( Not many if any ) At, this point I 'm not average because I 'm XXXX and just starting working last year in a position that paid XXXX an hour. So, please tell me how and the world can I pay XXXX in 23 months. I have made three payments in the amount of {$380.00} a month on time and no credit has been applied to my account according to these documents.
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.
Consumer complaint received 2015-09-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac Mortgage offers a bi-weekly payment plan program to borrowers advertised as free. Intent of bi-weekly payment plans is to accelerate loan re-payment and substantial savings in interest for borrowers by effectively applying XXXX additional monthly payment per year. However, PennyMac ( and other lenders ) are taking advantage of borrowers and preying on their general lack of understanding of mortgages and principle balance interest rate accruals. PennyMacs ' practices take advantage of borrowers by not applying principle portions of the bi-weekly payments when they are received and holds them for two to three weeks while borrower accounts still accrue interest charges on the wrong principle balance. According to the fine print in the bi-weekly autopay agreement, they intentionally do this to profit the loan servicer as stated in Section XXXX, " I understand that Servicer may derive a benefit as a result of holding partial payments in its accounts during the period of time while a full payment has not yet been made. Any direct or indirect benefit that may be associated with any funds held in a partial account shall accrue to Servicer. I waive any right or any other related benefits that Servicer may receive. " Since my complaints, PennyMac also continues to not apply any additional payments I send in to the principle balance, when it is received - see attached. My additional payment of XXXX dollars was received on XXXX XXXX 2015. As of today, XXXX XXXX, it still has not been applied to the principle balance. I expect PennyMac to properly and promptly apply additional payments to principle when they are received. They actually pretend to not know how I want that additional payment applied! 
Lastly, and since my previous complaints, PennyMac has recently started blocking third party personal finance software ( like XXXX and XXXX ) from accessing my account and downloading balance and payment and payment history information. If it was n't for this software I would have never realized that PennyMac was mismanaging my principle payments and I would not have discovered strange 'inspection ' charges to my account without my knowledge or permission. I am a XXXX veteran, this is a VA mortgage, and PennyMac should be ashamed and embarrassed for their predatory and deceitful behavior.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (CT)

Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I have had money issues and checks have been returned by the bank. the fees so far add up to XXXX with another XXXX forthcoming. I make XXXX dollars a month social security and do not have any other source of income. Is there anyway I can get some of these egregious fees reversed?
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. 
Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. 
After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. 
For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. 
The late fee applied to our account on XX/XX/XXXX be removed. 
All harassing phone calls stop immediately. 
Confirmation from WF in writing that there no negative reports have been made to any credit repository.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MI)

finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (DC)

On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.
Consumer complaint received 2016-05-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My original home equity loan was with GMAC. Everything with them was perfect. GMAC sold the loan to Ocwen a few years ago. Ocwen handled the loan correctly at first, but for the past three months they have sent me monthly emails telling me that they have received my loan payment. I did n't request this, and I do n't need this, since I can tell from XXXX Ocwen 's website and from my checking account bank that the payment has been made. I would n't mind about the extra confirmation, except that Ocwen puts my full name, property address, and complete loan number in the unsecured email. I have called and emailed Ocwen several times, but the people I talk to do n't understand XXXX well enough to fix the problem. When they send me an email to discuss the problem, they put my full account number in it as well! The latest CSR told me to remove my email address from my profile, which is n't possible to do. 
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a second mortgage with Bank of America. I encountered difficult financial issues because of a serious family matter. My second mortgage fell behind. I stayed in contact with Bank of America. I attempted to make a payment on line in XXXX and the they blocked my ability to make any payments. I mailed a payment and they refused to accept it. I spoke to a number of representatives and they told me the loan was in in foreclosure. They said I could apply for a reinstatement if I paid 90 days of payments, plus about {$1700.00} in legal fees that they managed to accumulate instead of just accepting my payments to begin with. I was assigned a case manager named XXXX XXXX. We spoke once and then she passed me on to a case manager named XXXX XXXX. 
He attempted to call me one time while I was at work. I tried to call him back. None of the case managers have extensions, e-mail, direct lines or any other way to contact them, except blind luck. I agreed to their predatory arrangement of paying more than double the amount due to pay their attorney that filed the totally unnecessary foreclosure just so I can get on with life. I sent a cashier check next day air on Monday, XXXX XXXX in the amount of {$2000.00} to the address that I was instructed to send it to. They claim they did not receive the check, yet I have tracking information to prove they did receive the check. 
This entire process is designed to create road block after road block to make sure you are unable to make the payment, so they can charge unnecessary and ridiculous legal fees ( and I am sure it is an in house attorney or one they are receiving compensation for referrals ), and or take my home from me. As of the filing of this complaint, they still will not acknowledge receipt of my check and I am 100 % certain they are doing this so they can accumulate more fees and take my home. I need your help.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

On XXXX XXXX, 2015 I wired a mortgage payoff to Ocwen Loan Servicing as part of disbursing a refinance loan I closed. I own a title company and disbursing loans is a major part of my job. The payoff letter states that " ... upon our receipt of the entire payoff amount, Ocwen will execute a release and discharge of the Deed of Trust/Mortgage .... ''. The payoff was wired to Ocwen on XXXX XXXX, 2015, and as of today, XXXX XXXX, 2015 the mortgage remains open of record. I called Ocwen to try to resolve this issue and they told me that they will not speak to me about this matter, only the owner of the property will be spoken to. I am not in the habit of bothering clients to chase down their cancelled mortgage documents and I believe Ocwen is acting unreasonably in this matter. As part of my normal course of work I had to issue a title policy to the new lender at the time of the refinance, giving them XXXX lien position. I did not hesitate to issue the policy because I knew that I had paid the mortgage in full, recorded the new mortgage and the other tasks necessary to fund a loan. I now find myself not knowing what to do since Ocwen is refusing to help me. I am the person that ordered the payoff letter, so I must be an authorized party to speak with them. It is imperative that Ocwen cancel this mortgage of record.
Consumer complaint received 2016-02-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Automated Accounts Management Services (CA)

I sent a letter to AAMs to validate the debts on my credit report and when I asked for proof that they own the debt or that the Hospital has placed them in charge of collecting the debt they refused to send me the information. I inform them I never received the original validation letter that they claim that they sent me years ago. They are still refusing to send me that copy of a validation letter I am demanding a copy of that validation letter stating that they are the original creditors or are in charge of the debt from the original creditor.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

Paid outsatnding balance at TD Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to TD Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a " settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to TD Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to TD bank to settle the account
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (NY)

unarthorized charges were made to my XXXX account and was under investigation. Upon the TD Bank merge my case was misplaced and overlooked, until I received debt colecting calls several years later. Since I never opened a TD, I went to a branch to speak with a branch manager for more reliable information. I then paid the branch the amount supposedly owed and was told by both TD Bank and the collection agency this issue was resolved. Now almost 3 years later, the collections agency called my family members and told them I owe XXXX more than the last time. After threatening me, and saying they will hack into my bank account and take money, I came to the conclusion this agency does not want to resolve any issues and just want to scare me into paying them again. I already paid for a debt that was n't mine in the first place and I 'm not inclined to pay more and put up with such harrasment.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

I closed my account with XXXX, received permission to return equipment, I have copies of return receipt and that they also received the equipment. I am paid in full to that account and no longer owe, but XXXX has turned it over to a debt collector demanding {$140.00}.