davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (AZ)

NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them?
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (FL)

Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Mother passedXX/XX/2021. Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I have been attempting a Deed in Lieu with Ocwen Loan Servicing for the last 2 years and after completing all of their steps several times, having the house vacated and their third party vendor secure the property and confirmed ; I was notified over the phone that my initial application paperwork has expired. I had previously submitted XXXX more current applications but since their process takes 90 days every time everything keeps expiring without final resolution. In addition, I had worked with my XXXX lien holder, XXXX XXXX to have them settle for a reduced amount so the Deed in Lieu could proceed. After successfully uploading the same approval letter twice and acknowledged receipt by my most recent Relationship manager at Ocwen, XXXX, I was told that they were not aware of the XXXX lien. Lastly, I was notified on Tuesday, XXXX XXXX, 2015 that my loan is being sold to XXXX on XXXX XXXX, 2015 and I would be working with them going forward. I am looking for the CFPB to look into my Deed in Lieu application from the beginning and see that I have complied with everything that was asked of me on multiple occasions only to be lied to, misled and still not have the process completed.
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NC)

I believe my issues may fall under JUDICIAL MISCONDUCT, Federal District Ct, XXXX, XXXX. I can appreciate how convoluted this may sound My purpose is to learn if XXXX XXXX dept will even condisder a review of my situation. Assuming I can get an ear without wasting cfpb valuable time. I was awarded my claim for title of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX by XXXX XXXX, XXXX, XXXX late XXXX XXXX. Judge XXXX held a hearing at requet of AHMSI, XXXX XXXX, attorney for AHMSI. At this hearing Judge XXXX asked XXXX if she had any lawful " note '' to prove American Home Mortgages legal standing under TILA XXXX. XXXX answered " NO ''. With that admission Judge XXXX dismissed AHMSI. Iwas XXXX and was hen under instructions to draft his order funding in favor o ( m ). A week later I used that order to place lawful title in my name. From that point I commenced doing expensive improvements totaling some approx {$50000.00}. and commenced living in my home. 

Approx 1 year later I received notice to appear inXXXX Federal Dist Ct, Judge XXXX XXXX Presiding. In approx mid XXXX after I preparedly self for defense, XXXX. Not too long after I received Notice of Dismissal in favor of XXXX, OCWEN, AHMSI, Option One tat I XXXX XXXX XXXX was dismissed with prejudice, precluding me to be flushed down the Federal Ct toilet. Subsequent to that I was forcibly evicted about the same time I was in a life threatening XXXX and was hospitalized with XXXX. During my recovery I was forced to vacate. My life became an unholy terror ending up with me being forcd to leave XXXX to be assisted by my older brothe and finally settled in a mobile home in XXXX XXXX. I live now in near abject poverty having lost not just a valuable home bur the over $ 50k Judge gave to the criminal bank XXXX and the equally criminal OCWEN, and AHMSI. For me, well educated, it XXXX of justice spearheaded by Fed Judge XXXX XXXX. It smacks of a Federal Judge acting in collusion with several criminal ( aledged ) banks and absolute and total disregard of TILA XXXX which I followed to a T from way back in XXXX when AHMSI CEO XXXX ) e mailed XXXX promises to provide that which TILA requirers under law. AHMSI merely lied an d laughed at me failing al my XXXX ret Rec proof of delivery required by TILA. They commenced lying in writing mid year and refused to honor the CEOs promises to provide data. 

Like I said, quite convoluted but all tue and I have never found any counsel to assist me. Back then, before XXXX XXXX took hisCFBP position, all XXXX attorneys were gun-shy of all these fat kat mortgage servicers. I actually contact XXXX XXXX just before he left Ohio and was never able to reach him up ti l. 

In Advance I thank you for the look see that put this XXXX yrs old XXXX Vet on XXXX. I am reduced to begging for constructive help. Kind of given up all hope. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NARTEY LAW GROUP, LLC (VA)

The group represented a collection agency ( of the auto finance company ). Debt was settled, I did not receive a letter indicating the debt was paid, and the original creditor indicates they have not received payment 2 months since the check cleared.
Consumer complaint received 2016-01-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Our property was stolen in illegal forclosure action by OCWEN IN 2012. 
WE WERE NOT NOR WERE WE EVER IN ARREARS AND HAVE BANKING DOCUMENTSTO PROVE IT!!. 

OCWEN became our servicer after the original bank XXXX XXXX XXXX was raided by FBI for fraud.The CEO WAS creating fake accounts using our and other clients mortgage payments to secure TARP money being doled out by Obama Admin ... There has been a recent consent judgement against OCWEN since this occurred we have been before PA superior Court BEFORE THE CONSENT JUDGEMENT the court did jot perform due diligence on our behalf ... a gross miscarriage if justice nor did they follow rule of law relating to standing and OCWEN NOT HOLDER OF OUR NOTE ... we have a case that we plan to move for ward on against several including PA AG OFFICE ... GOT INCLUDING CFPB ... YOU WERE COMPLICIT IN THAT YOU DENIED OUR REQUEST FOR HELP AGAINST OCWEN THAT WE MADE IN XXXX SEPARATE COMPLAINTS ... .YOUR REPLY TO US WAS THAT.OCWEN DENIED ALL SAID VIOLATIONS ... YOU THE CFPB TOOK THEIR WORD AGAINST THE TRUTH AND OUR PROOF. 
Several firms have stepped forward to take our case filing some XXXXplus charges XXXX of the charges will be levied against CFPB ... the response letters from CFPB are stunning in context ... ..our lives were violated by banking fraud and a subsequent crime by OCWEN a company that you investigated for clear violations of banking law. The following fields will be marked regarding loan ... because your site does not offer SPECIFIC ENOUGH reasons bother than surface loan info to catagorize this complaint..I want this to be acknowledged in effort to avoid more excuse from CFPB for not performing their job as taxpayer entity.
Consumer complaint received 2016-11-14
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (CA)

Dear Sirs in XXXX when the economy crashed, I was advised because of lack of work to file Bankruptcy. I held out until XXXX. 
In XXXX All credit was taken away and I had an Equity Line of credit ( Heloc ) and used XXXX, I went bankrupt and discharged all debt in XXXX. I was then advised that even though It was discharged I still owed the money because of the equity in my home. I am willing to pay the XXXX, through refinance but no one will let me due to the lien. Ocwen tried to foreclose, I hired a lawyer to stop them and paid XXXX to do that. Now Ocwen is foreclosing again while adding XXXX to the original bill. They will not communicate and when you call you get XXXX. I feel the first Lawyer made mistakes and the Second Lawyer bait and switched me.I am aXXXX year old man living on Social Security and my only nest egg is my condo. Can you help me
Consumer complaint received 2016-08-14
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

My son was talking to this man, XXXX XXXX XXXX, on the internet who was claiming to sell sneakers on the internet. He had a XXXX profile and group. My son and him established a relationship. The man had people send money to my son 's XXXX account, so then when my son had this money in his account that was n't his, the man asked him to transfer him the money via Money Gram and because the money was not my son 's we transferred the money on XXXX/XXXX/16. He asked for it to be sent to his alleged finance XXXX XXXX. Her information will also be included. This man was exposed on Friday, XXXX/XXXX/16, as being one of the biggest sneaker internet sales scammer. The XXXX people that sent my son money have or will charge him back on his XXXX Account. I 'm working with XXXX, and I will contact Money Gram during their open business hours to report all of the contact information we have on this scammer.
Consumer complaint received 2016-04-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Original creditor was XXXX XXXX. original debt {$1800.00} charged off XX/XX/XXXX per my credit report. it appears that this debt was sold in XX/XX/XXXX to a XXXX party named Portfolio Recovery. the amounts do not match. the merchant listed is XXXX XXXX. which I never applied for credit with nor have never heard of. I am receiving negative reporting on my credit report XXXX for an account that was charged off in XX/XX/XXXX. I am receiving nonstop calls from Sunday to Sunday XXXX hours a day from this debt buyerthat will not leave a message and will not provide proof of debt owed to their company. based on my credit report the account numbers of the charged off account and the debt buyers account do not match.
Consumer complaint received 2016-03-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. 

Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.
Consumer complaint received 2016-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.