davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

In XXXX, My grandmother and conservator, allegedly gave Wells Fargo Bank a reverse mortgage on a property that was held in an irrevocable custodial trust, ( by order of a XXXX Judge XXXX for my behalf. When she passed in XXXX XXXX, I discovered that Wells Fargo had indeed placed a mortgage lien on the property. I contacted them XXXX XXXX to inform them that the property had been previously placed in a irrevocable protective trust and that my grandmother did not have the authority to remove the custodial property from the protective trust without the Judge 's order, nor had I signed away my interest ( indefeasibly vested ) in the property. In XXXX XXXX Wells Fargo through their attorney agreed to pursue a title insurance claim in lieu of foreclosure on the custodial property. In XXXX XXXX, Wells Fargo sent me notice of foreclosure by sheriff sale. In XXXX XXXX I filed a complaint with CFPB. Wells Fargo responded that they had no notice of the irrevocable protective trust on the custodial property. XXXX XXXX, I recorded the irrevocable protective trust on the custodial property and the deed transferring the property to the trust, and mailed a copy to Wells Fargo and all interested parties. I requested that they release their lien against the custodial property, since my grandmother did not possess title nor authority to transfer the custodial property to Wells Fargo. In XXXX XXXX, Wells Fargo set the property for Sheriff Sale without giving new notice. In simple, Wells Fargo is a attempting to foreclose on a property based on a mortgage that is invalid and fraudulent. They are well aware, yet they proceed with the foreclosure because they believe they can get away with it.
Consumer complaint received 2015-03-25
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

In XXXX 2011 I took out a Reverse Mortgage With XXXX Mortgage ( now Champion Mortgage, same address ). My loan check was received on XXXX for a year and a half. Then it started slipping over the years, to the XXXX, then XXXX, XXXX, XXXX, and this month the XXXX, I received my check. It is supposed to be here on the XXXX. I am a XXXX that ca n't pay bills on time because if this corrupt companies actions. Contact with their customer no-service Dept., over the years, has been fruitless.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits.
Consumer complaint received 2015-10-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.
Consumer complaint received 2015-08-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (PA)

Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as Dispute Resolutions Services but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2015, this company received my request for validation for a frivolous debt they had reported on my credit report. The company failed to provide me with any former validation, at the same time they persevered with reporting the account on my credit report
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. 

I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. 

I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (AZ)

I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is XXXX XXXX XXXX, which calls me numerous times per day.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAVALRY INVESTMENTS, LLC (CA)

I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
Consumer complaint received 2015-10-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TN)

XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

It is now over 3 years since i requested for a XXXX Short Sale on my mortgage account, Chase has been playing games telling me that they are reviewing my file. 90 days later they respond back to me telling me that the file was declined becuase the negotiator forgot to place my file under review. Now i have to reapply all over again. 

IT IS NOW 3 YEARS since Chase keeps doing the same thing, as of last month Chase told me that the file was delayed becuase my previous realtor and i needed to hired a new realtor if i want them review my XXXX Short Sale request. Now that i hired a new realtor Chase is refusing to review my application and they have placed a foreclosure sale date set for XX/XX/2015. 


XXXX XXXX
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (OH)

Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

Thank you for reviewing our complaint. Last year XX/XX/XXXX I had a lawsuit filed against me regarding my employment and subsequently had to change jobs XX/XX/XXXX. XX/XX/XXXX my wife and I called our mortgage company Citi Bank to tell them of our severe financial problems. At that time we were two months behind on our mortgage. We ask Citibank for a mortgage re-modification and subsequently file the application for a HAMP loan. The process dragged on until XX/XX/XXXX when Citibank informed us that they did n't do HAMP loans after we submitted months of bank statements, forms, tax returns etc. Then we were told to apply for a mortgage modification which is what we asked for in the first place. So we resubmitted bank statements, tax returns everything they asked for. All the while we were told by the XXXX Citibank representatives ' that they would not accept any partial of full mortgage payments from us until the application process was completed. XX/XX/XXXX Citibank denied our modification due to the fact that we " did n't make enough money '' our income was short {$100.00} per month or there about. Then we appealed their decision and they told us we " made too much money ''. Thus denying us again. By that time we were on our XXXX loan officer. Now we are on our XXXX loan officer and I am trying to work through the situation with him. We have saved money to make payments on our mortgage when we hopefully get this situation resolved. We have over {$170000.00} in equity in our home. We are currently 19 months behind on our mortgage. I believe Citibank has been untruthful, misleading, unwilling to help us keep our home. We have lived in this house for 10 years and have XXXX children and we are afraid we are going to loose our home. I have spoken with a real estate lawyer and he believes we have a case. Could you please help us?
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (AR)

Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (AL)

I am writing to complain about my treatment by XXXX XXXX XXXX XXXX XXXX, Caine & Weiner, and XXXX XXXX XXXX XXXX XXXX During a routine audit, I noted escalating fees from XXXX XXXX . On further review, I found a contract dated XXXX/XXXX/XXXX that I did not authorize nor sign. XXXX, and I am the only person authorized to sign contracts. 

The person who signed the contract, and subsequent XX/XX/XXXX renewal, was a secretary who no longer works for me.This person was never authorized to sign contracts. I did not authorize this now former employee to sign any contracts with XXXX XXXX. 

Records show, while the postage meter was in use, all monthly fees were paid in full. They are not due any money. They are not the injured party. On XXXX/XXXX/XXXX, I sent a letter to a XXXX XXXX Leasing Specialist, notifying him that the lease was unauthorized, null and void, and requested an arranged return of the postage meter. Since this time, the postage meter has not been used. 

The contracts in question from XXXX XXXX specify that the person signing is " authorized to sign. '' The specified now former employee was not authorized to sign. The XXXX contract lists DBA name of Lesee with this person 's name. The name of my XXXX is XXXX XXXX , XXXX, and my company never signed any agreements with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX stops their fraudulent pursuit of these unauthorized contracts and removes their equipment from my office.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX  Open date XX/XX/XXXX
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (SC)

During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss,