davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AmeriCash Holding LLC (IL)

I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''
Consumer complaint received 2015-04-25
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TX)

We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (UT)

This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file. 
Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building. 
Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX. 
Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance. 
I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them. 


Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

# 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage. 

How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time? 
How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection? 
Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

As XXXX time home buyers we were unaware that the acts of the lender/broker were predatory in nature and violated several real estate laws/protection acts. We only recently became aware that the lender has violated every aspect of T.I.L.A./The real estate settlement procedures Act and all other laws covering real estate. We had no idea the C.F.P.B. was available or we would have filed a complaint long ago. Everyone needs to be aware of all laws/rules when buying a home. There are more scavengers then Wells Fargo out there. Interest was set at 11 % + but changed to over 14 % on the morning of the closing. We were distressed financially at the time of application and were shocked the loan was approved. We had problems paying the mortgage within three years. We filed for federal chapter XXXX bankruptcy in XX/XX/XXXX and paid it in full. It was discharged in XXXX. This was filed the United States Bankruptcy Court XXXX Pennsylvania case number XXXX paid in full and discharged on XX/XX/XXXX. During this time all past due payments/interest were paid in full. Lender was not allowed to charge any additional fees/interest/misc charges during this time. They did ... If the misapplied payments had gone to principle instead of excess fees/interest the loan would be paid in full and then some. To date lender has not and will not provide anything to show where payments went and how applied. We spent five years with no money to bring this mortgage current and stop the massive interest and uncalled for fees to end up owing as much or more then before. Now lender is trying to foreclose and still can not prove to us that we really owe anything. Now their original claim that we owed {$12000.00} has grown to over XXXX. Had the lender provided the requested information with any real money owed to them we could have paid it off. Now they are stalling and trying to proceed without providing us the proof contained in the payment and how applied history. The loan servicers were never made aware by the mortgage owner that the loan was in bankruptcy so they could charge correct interest and credits. We have been stripped of any benefit ordered by the Federal courts. Lender also proceeded with a foreclosure action while we were being considered for a loan modification. They have failed to provide proof that they have not made errors in accounting and they ca n't. We do n't owe Wells Fargo/XXXX/XXXX/XXXX or whoever they are now anything on this property or anything else. We have way to many documents to scan and attach, including the original loan agreement showing 11 % interest and dated a few days before the closing. The lender, seeing all documents, would give them time to prepare lies to show as evidence. This way I can show their errors and misrepresentations in court if needed and they have already committed themselves to a story. We are only allowed one option below but there are real, provable issues with all parts of this mortgage from start to now and continuing.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.
Consumer complaint received 2015-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Recovery and Collections, Inc. (NV)

Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (GA)

My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (VA)

A former lender of my mortgage transferred the mortgage without releasing the title and is holding up the who process of getting a much lower interest rate. I have contacted them and the only method is to submit a fax to there research department. This is not right all the fees we pay during our mortgage and this is what we get. I could potentially loose my lock because of there mistake. Can I file suit for the difference in interest rates. Ocwen offers little help to fix there mistakes and they should be penalized for this.
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Our loan was sold to Ocwen Mortgage Serving and ever since everything is a mess. They send someone out to our home monthly to verify that we are living in it and charge us between 50 and 300 dollars each time. I have called numerous times to see what this is all about to just be given the run around. I have become XXXX month behind on our payment due to a family tragedy and have made sure we fall no further behind. Yet they continue to harrass us constantly and have their people who verify that we live in our home make threats to us. It is unnerving. We have tried to work with them to modify out loan yet they refuse to do so. At first it was because we were not behind so we did not qualify now it is because we are behind. Our mortgage is set up with a balloon payment at the end of the loan and we were trying to modify the loan to get rid of this payment. As our previous home loan servicer would not offer us any other option for a modify other than to add a balloon payment on the end of the loan. We have asked for a principal reduction and were told they will not do that. We are at a standstill with this situation. We heard there was a settlement made between Ocwen and the government and when I asked Ocwen about it they cut me off.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I got behind on my morgage really bad-Ocwen loan servicing, LLC is the lender. I was fighting XXXX at the time-had to file bankrupcy chapter XXXX. Ocwen offered to modification -which sounded good and all. I accepted because I thought it was the best way to keep my house. I went through 2 sets of modifications payments before they approved me. The thing is I was approved of payments of {$430.00} a month in which we can afford but I have 7 years to pay off my house and they tack all the fees on plus more in which at the end of the 7 years I will still will have a ton of money to come up with or loose it all over again. They say I owe XXXX on the home-how is this possible-thats more than what I paid for 25 years ago when I purchased it.Not sure what to do or who to talk to about this situeation and are they in the right as far this modification.
Consumer complaint received 2016-11-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

My first application for a hardship modification to Ocwen was submitted XXXX of 2016. It was rejected by the end of XXXX 2016. The entire package was resubmitted in XXXX of 2016 with updated information. Again, I was rejected after a cursory review. The information forwarded to Ocwen indicated that I was struggling to maintain the property..that I am a XXXX year old woman who has very few years remaining in which I would have the ability to continue working. I remain troubled that in the foreseeable future I could face foreclosure.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On or about XXXX XXXX, I purchased a XXXX tour from my travel agent, who has offices in XXXX and the United States. I live in the US. My travel agent charged my Citizens Bank debit card approx. {$5200.00}, for both my daughter 's and my own trip ( approx. {$2500.00} per person ). The trip was paid for in US dollars. I then received a charge from Citizens Bank for {$100.00} dollars. No one at the Bank wanted to tell me what it was for. At first they said it was a foreign currency exchange fee. I said no foreign currency was involved. I was put back on hold. Then they said it was a foreign ATM fee. I said no foreign ATM was involved. I was put back on hold again. Finally, they said it was because my travel agent was in XXXX and not the US when I paid for my trip, which is absolute nonsense. I received no value for my money, and Citizens Bank did absolutely nothing to earn it. It is simply a fee to charge a fee and gouge the consumer, and that is not right. When choosing a new bank, I suggest choosing a more ethical bank who truly cares about their customers and puts their interests first.