davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l. (MS)

Today I was contacted by Nationwide Credit Inc stating that I owe a bill in the amount of {$220.00} regarding terminix. I contacted terminix on several attempts and as of today 's date I have never received a corrected bill from their accounting office in order to pay what is owed. Every time I call their office it is a difference amount than what is on the original bill and as of today 's date this collection is also for a different amount than what they have stated I owed. I can not pay a bill if a company is not sure of what I owe nor can a bill be paid when I have never received a corrected copy in order to pay it. I was advised that I would receive a discount on my bill for customer loyalty and as of today 's date that has never been discounted and also I have never received a bill that showed the corrected amount to pay. Today I received a bill from Naitonwide Credit advising I needed to pay {$220.00}. I have never owed {$220.00} to this company and do not know where this amount has been calculated from and what for it has now became a form of blind payment system. Throwing money on a bill and never receiving or paying more than what is owed in order to satisfy a greedy company that does not live up to what they said you owe and for services that have not been rendered.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Western-Shamrock Corporation (SC)

National Finance continues to report late and past due balances to the XXXX credit bureaus. National Finance was included in the bankruptcy, they were notified in XX/XX/2016. No reporting should have occurred beginning on XX/XX/2016 it violates the automatic stay.
Consumer complaint received 2015-08-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (CO)

This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.
Consumer complaint received 2016-05-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

The initial debt was incurred with XXXX XXXX XXXX in XXXX. After several attempts, the debt was written off by bank and sold to XXXX separate collection agencies. Each time the date of debt incurred increased to the time that new collection agency acquired the note. The statute of limitations for BK is 7 yrs. Although never declaring BK, this debt should have been erased after XXXX XXXX. 
Why is this still on my credit report? I have successfully use cash for all transactions since then.
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the past, I have requested the assignment of qualified, professional, and knowledgeable single point of contact ( SPOC ) be the Bank of America Customer Relationship Manager ( CRM ) assigned CRM/SPOC and that the individual SPOC, the SPOC 's unit, and the SPOC 's supervisor be bona fide Bank of America employees who actually are available for person-to-person telephone contact to communicate the current home loan mortgage account status, activity, decisions, documents and documentation during normal business hours and days. While there have been a multitude of SPOCs assigned to gather, organize, and disseminate account documents and information and be current on account activity and status, not a single one has been able to preform their duties as required per the National Mortgage Settlement ( XXXX ), RESPA enforced by Regulations Sand Z, and California Civil Codes XXXX and other applicable law, agreements and settlements that dictates how the single point of contact is to execute their duties and interact with the borrower. I know this because I have never been informed by any SPOC of the fact I was approved for a MHA HAMP and was directed to be placed in a MHA HAMP TPP as early as XXXX 2012 by the Bank of America Appeals Department upon completion of an appeal or other escalated case.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. 
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. 
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. 
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. 
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. 
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. 
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. 
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I just received notice that Bank of America has passed on my loan servicing but I just wanted to ensure that Bank of America knows that this is far from getting rid of me and in reality it just really upped the ante as now yet once again you have ignored the information I provided BoA via the CFPB and provided incorrect account information and balances ... The damages are rising and trust me, the hunt now begins for an attorney and I have years of record of Bank of America 's mishandling of the issues to support my position. I have already filed a complaint against XXXX as their initial correspondence assumed some very incorrect things but every bit of it based on Bank of America 's mis-handling of my loan. I guess at very least this will stem the constant flow of complaints and avoidance on the part of BoA but again, this is far from over, I will still seek answers to every issue I 've asked and addressed and continue to commit time and resources to exposing BoA as a company that should not have been supported by the government and taxpayers and should not be designated too big to fail as BoA no longer being able to victimize consumers is a victory for consumers, perhaps a short term negative for the economy but overall and the bottom line is that Bank of America is a horrible horrible company.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by XXXX and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with XXXX or go to court to vacat the judgement and now we are not able to pay our rent.
Consumer complaint received 2016-05-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (AK)

Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can pay affordable monthly payments, but want an option that wo n't keep damaging my credit. The XXXX on my credit has had a negative ripple effect on more and more as time passes. I am trying to be proactive with my finances, but ACPE has put me in a stranglehold from moving forward. I have called ACPE countless times on my options, and all I get is the same thing back. I can not believe there are no relief alternatives. No options after the administrative wage garnishment is in effect. After half a year of payments, no options.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.