davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (VA)

We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

I was a student at XXXX XXXX when it closed without notice. Now AsFg is threatening me altonapy back loans. When I started I was told I needed these loans to cover the cost and then found out during this process that this was not true. I had enough federal funds to cover and then some. They used unlawful tactics to gain access to this money on which I now am being harassed to pay back. The business practices of XXXX XXXX were unprofessional, unethical and sad to say the least. But now we are talking about straight thief and scamming. I do n't feel that I should suffer with debt that was unlawfully gain with lies and deception. I as a student did what I was ask and was honest. I believed tihe lies and trusted that XXXX XXXX stood on integrity. But I know see that the dishonest acts have left me accountable for the actions of this company. I would like this to be filed as a formal complaint and have this invested for full discharge.
Consumer complaint received 2016-05-18
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (NC)

I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfollio Recovery has been asked several times to stop calling me and to send me something about a debt I do not know of. When they call and I ask them to this, I get " sorry what are you saying I do not understand what you are saying, I am trying to collect a debt, I do not know what stop calling means. '' I have told them this on three different occasions and they continue to call both my house phone and my cell phone. I have blocked about XXXX numbers from my cell phone. I am not going to agree to pay a debt I know nothing of. If they can not send me something in writing then they need to stop the calling. They will not give their address to send something to stop the calling. I am making a log of every time they call.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.
Consumer complaint received 2016-08-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NC)

I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX
Consumer complaint received 2017-05-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

Hunter Warfield is on my credit report, the date it states it was opened was during the time I was in   XXXX   so I couldnt have gotten a apartment at the time. I sent them a pay to delete offer because that seems to be the only way to get it off my credit without having to pay them the full {$2000.00} something I do not owe. And now they are reporting on my credit that my payments are late after 4 years! Hunter Warfield is hurting my credit and is stopping me from moving on in my life.
I have put a dispute on BBB along with lots of other consumers who is having this issue with Hunter Warfield.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I have citi bank thank you premier credit card. Aft er one year charged me annual fee of {$95.00}. I am asking them to waive it and downgrade the card  so that I do not have to pay annual fee. They are saying it has to be within 30 days. I have not used card in the last 30 days and there is not other charge after this annual fee. This is fraud and wrongful way to extort money. It is very difficult to read and remember all fine print which is provided with a card. Would request your intervention. Also the membership fee was charged on  XXXX   XXXX  and today is  XXXX   XXXX  so it is not even 30 days.     Charge date :  XXXX   XXXX  Amount :  XXXX  Charge type : MEMBERSHIP FEE   XXXX   XXXX  -  XXXX   XXXX
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Roost Lending, Inc. (FL)

I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser after court date and again in XX/XX/2016. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Loan number :  XXXX  Mortgage company :  Specialized Loan Service ( SLS ) B ought this property in  XXXX   2014  at {>= $1,000,000} ( with PMI ). 15 year fixed and I made some additional payment ( now, the outstanding principal is {$340000.00 } ( lo w to value ratio is below 78 % ). I sent every required doc to SLS and asked them to cancel PMI. They did another round  appraiser ( Broker Price Option, BPO ) and rejected my application. The reason is that they gave an estimated value of {$420000.00}. What they did is ridiculous : they compared my home with recent sal es with much smaller size and lower selling price. If they compared with similar model, no hom e ( same model as mine ) was sold below {$460000.00}. It is simply unfair comparison. Any one has basic  statistic training knows the the importance of picking right sample.     Plus,  XXXX  estimate for my home is around {$530000.00}. Even thou gh it may overestimates, I can not believe they came with this number.
Consumer complaint received 2017-01-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and Experian refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LD Holdings Group, LLC (NV)

Erroneous credit reporting on my credit report and that of my wife. XX/XX/XXXX my wife and I filed a BK XXXX and concurrently were in a loan modification that was later approved. I am trying to use my VA loan for a home only to be told that we are shown as making late payments from XX/XX/XXXX until later in that same year roughly XX/XX/XXXX I believe. This is after the BK XXXX. We did everything and never made late payments but are being told that although we were paying as instructed on the modification we are still considered making late payments which is unfair to us. What would have been the sense of saving our house if we knew we would have known the lender was reporting our payments as late through our modification agreement. I have more to add but hopefully will be able to get the negative remarks off of our credit reports. I am a Veteran and feel slighted with this action. Thank you XXXX XXXX XXXX