vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Payments from my escrow account for the new year of XXXX. As has become the normal business procedures of Fay servicing.

Fay has stolen another {$2900.00} to start out the fiscal year of XXXX. 

I will break down how incompetent and derelict this entity is in performing its business. 
Because of improper use of my impound funds, Fay has caused penalties and interests to be accessed to my property taxes. This has gone on since they acquired the servicing of my loan.

I have requested that my impound account be canceled, that I will handle my own Ins. And Taxes. Fay refuses. So alas, I refuse to send my impound funds for them to play with. 

Point in case. 

I paid all of the taxes for XXXX in full on XX/XX/, see attached receipts. 
First-quarter payment of XXXX taxes were due XX/XX/. Fay sent a payment on XX/XX/. This makes the payment past due 10 days with possible penalties and interest charged. This did not happen as I had paid them in full a month earlier. See attachments Second-quarter payment XXXX taxes Fay sent a payment on XX/XX/. Even after they were aware that all taxes had been paid in full for the year. See attachments I spoke to the County Treasurer and ask if they had received either of the so-called payments made to the XXXX County Treasurer . Their reply was they could find no record of receiving them. And as the taxes had been paid in full. If they had received any payments, they would have been sent back to Fay. 

Now as of this date XX/XX/2021, nothing has been refunded to my impound account. Of course, this is nothing new for Fay. They have not refunded the monies stolen in prior years. 

On XX/XX/, I spoke directly to XXXX XXXX who is supposed to be my account manager. I, ask him when they were going to refund my stolen monies. And of course, got no answer. Also questioned him about the ins payment that was coming due at the end of XXXX. Reminded him they had no need to pay it as I had already paid it in full on XX/XX/. Confirmation Number XXXX. 
I ask him about all the problems. Breach of Contract, Improper use of my impound funds, stolen impound funds. Late or non-payment of taxes, refund of penalties and interest charged me for late or non-payments, refusal, and ignoring my Attorneys outreach.

Now here we are again. Fay has removed another {$2000.00} from my impound account. 

I have filed several complaints about Fay servicing. This just adds another to the list. The replies from the other complaints were ludicrous. Cant wait to see the ridiculous reply I receive back this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
My name is XXXX XXXX and I had my identity stolen many years ago when I lost my wallet and someone had opened a secured credit card with XXXX  XXXX many years ago and I hired a lawyer that faught to help me fix my credit score and all was well and the account in question was marked as charged off and removed from my credit report forward till now I finally got my credit score a little higher and decided to give credit one a try and apply for a credit card and it said I was approved and a card was Shipped out to me but instead I got a letter from a company I've never even heard of claiming I have until XX/XX/XXXX of this year to pay them {$840.00} for an account that was years old and marked as charged off and removed and stated repeatedly that I did not apply for any card with them back then but they refused and continued to harass me for payment even though it was identity fraud. Now they are threatening to sue me if I don't pay them {$840.00} by XX/XX/2021 when I don't have that kind of money for an account I never even opened to begin with. This company name is Midland credit management Inc and I never made any deal or contract with this company in my life and this is the first time I ever tried to get a credit card from XXXX  XXXX XXXX  so for a credit debit collector to threaten me for an account that was charged off and marked with identity theft many years ago is rediculous. If anyone can please help I would be really greatful. Sincerely XXXX XXXX email XXXX address of debt collector XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX the letter they sent never specified what debt it was referring to either just the last four digits of a random account number and the amount and that they will send it to a lawyer and sue me if I don't pay by XX/XX/2021 or make a payment plan with them. Say go to Midlandcredit.com or call XXXX MCM account number XXXX for an unknown account I never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned company requested that I co-sign for XXXX XXXX because he did not have enough credit. They explained that everything would be in this name and I would only be responsible if he did not make to payments. He is doing well in his position so I came to Md. to sign the papers on which I was secondary. Before I signed the paperwork he had purchased insurance and afterward had the window tinted. Once I returned home the dealership asked me to come back and sign a document requiring the vehicle to be housed in NC where I live. My son lives in Md. This was never a requirement and how would we do such a thing when he would drive the vehicle in Md. I was told Ally financial is requiring this. It made no sense to me and I declined to do so. Therefore they requested my son bring the vehicle back which he did. Since that time Ally has called my job to collect a debt. In the police department on a recorded line. Sent my son and me collection letters and demand payment of a vehicle we return within 2 weeks of attempted purchase. Ally Financial and XXXX XXXX XXXX XXXX Md. I reported no payment to the credit bureau and harassed my son and I. We have not had the vehicle since XXXX XXXX payment was due XXXX. Now 2 payments. This is not acceptable,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
I lost my job as a result of Covid-19 and placed my HomePoint VA mortgage in forbearance. I secured new work and began making my payments again in XX/XX/2021. I began looking at refinance / VA XXXX options to get current again. I continued to make payments and payments were accepted by HomePoint towards my mortgage debt. HomePoint returned my payment for XX/XX/2021 knowing this would disqualify me for the 6 months of on-time payment requirement in order to secure refinancing from a new lender. HomePoint has deliberately sabotaged my refinance options and at this point I am now unable to refinance my loan away from HomePoint. Refusing to accept payments, even if just to put in Escrow, was a deliberate and malicious act by HomePoint Mortgage and they should lose their ability to service any and all VA mortgages moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo handles XXXX 's card services. I paid my account in full, XXXX 's aka wells Fargo drafted my account for an additional {$29.00} which caused a credit. I requested a refund which they did to my account. They then mailed a check which I threw away because my account was credited. I now am being charged XXXX on my account again because they want me to cash a check I don't have. I have called several times. I received a letter asking me to deposit a check I don't have. I don't owe well Fargo anything. Please HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Community Loan Servicing ( FKA as Bayview Loan Servicing ) stopped allowing me to make payments in XXXX. I am the owner of the home but not the original mortgage holder. Something happened between the previous owner ( the mortgagee ) and the servicer/lender - and from that point my rights to make payments and discuss the loan and all assumption process; was stopped without explanation. 

Nearly two years later, on XX/XX/XXXX Community loan servicing filed a notice of default with NO notice to me what so ever. There was no notices of intent to accelerate, no notice of foreclosure prevention options or anything- the first thing I saw in over 20 months was a notice of default. Also the amount demanded seems very wrong. 

This is my primary residence, I am the sole legal owner ( since XX/XX/XXXX ) and I do intend to keep my home. I need help stopping the foreclosure process and I want to make payments but I still have not been allowed to do so. Please help so I do not lose my family home. The bank did NOT follow homeowner bill of rights and did not factor in COVID or any foreclosure prevention solutions and not any notices at all. PLS HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express has a pre existing ticket ( please reference CFPB ticket number XXXX ) open and sadly does not look like they are interested in resolving the matter. Which has been the case since they decided to close the account without cause or justification. They claimed that documentation was sent to me and I never received it. They continue to report inaccurate information and balances on all three credit bureaus even though the account is paid in full. They have used threating and questionable FDCPA tactics over the past two years with me on this account. The debt and delinquency of the account was a directly caused by Covid 19 which involved losing my XXXX. and my XXXX  who is a XXXX XXXX  being sick from XXXX XXXX. When I called and asked for help and options I was hung up on constantly, threatened, laughed at by there in house advanced collections department. I was consistently called by there auto dialer and harassed even after asking numerous times to please stop calling. American Express has been a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
At the time of my payment being due I spoke to lender reps about other options I had to freeze payments for a bit, bc of the reason that my home income dropped during COVID. I went from 2 incomes to 1 income, and was struggling a lot to make payments. I asked for help and was told I could only get that help when the other borrower gave permission. However, I have told them repeatedly that the other borrower is no longer around, and there is no contact with him. I have been the one making the payments each month for several years, and on time. I can't help that our household income dropped to 1 only, nor that the other borrower isn't available.

Navient refused to help me without the permission of someone not even making the payments. It is my bank acct they have been pulling from for years not his. I asked if I could speak to someone higher up, and they said " the same info would be given ''. So I was refused any help. I explained to them, " Ok ... since I am not being given help, and the situation I am in is out of my control... you are giving me no choice, but to not pay at all. '' They responded with, " Okay, ma'am I understand. '' I told them to note that is the reason why they will not be getting a payment from me for a while, since they will not help me out. 

I keep getting calls non-stop and on several occasions have told them same thing ... : '' I need help with making my payments, and Navient won't help unless I get permission from other borrower. So basically you would rather not get a payment at all than help me out so I won't fault on my payments ''. They said, " That is correct ma'am... we need permission from the other borrower ''. 

I was never once offered the COVID relief program throughout the whole time of paying. I managed to pay them as long as I could, but when it came down to needing the help Navient refused to help me. I am now behind over XXXX. I just made a payment of a little more than 300, which will hurt my situation a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received a {$4600.00} dollar check from the XXXX XXXX. On XX/XX/2021 I deposited that check. when I went to go get cash out I found put that bank of America placed a 10 day hold on it. At first they told me that the check was no good. After calling the XXXX  XXXX XXXX office I found out that they had released the funds to bank of America and they were lieing about the deposit. O told them that my rent is going to be late if they hold my check for 10 days. Then bank of America got sarcastic and said that it was for my own good. The check was never bad because I called back bank of America and told them that the funds were with bank of America and they could care less. they are holding this check for their own good not mine. I'm going to be late on my rent and bank of America could care less all they want is fees. Can someone PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
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.
State: TX

Complaint narrative:
I was in a forbearance plan on my mortgage with XXXX in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The Experian report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called XXXX and get no response after putting in a complaint. I have disputed with Experian several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. Experian refuses to fix any errors and neither does XXXX. Im being harmed financially waiting another year to buy will put homes out of reach for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a Citibank card in XXXX the beginning credit limit was XXXX. My balance was around XXXX and they decreased my credit limit, stating that there was an issue with my credit report. I have no derogatory credit. in fact, during this time, I paid off a XXXX balance on a Home Depot Card through Citibank. Today I get another notice of a decrease in my credit limit. My balance is now less than XXXX, and I haven't used the card, and all my payment are timely. I usually make a double payment. By Citibank just arbitrarily lowering my credit limit, they adversely affect my credit score and I think it's wrong to keep doing this to me. 
This is not how to treat people that do business in good faith. Ironically, I currently have a Home Depot card with a XXXX balance. Recently paid off. Citibank cares very little about their customers, by adversely affecting credit for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was XXXX  in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was CMRE Financial and the current one is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
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: Ocwen Financial Corporation
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on OCWEN LOAN ( Account # XXXX**** Date Opened : XX/XX/2006 Balance : {$0.00} ). This account is only being reported in XXXX. 
Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ( Account # XXXX**** Date Opened : XX/XX/2014 Balance : {$3200.00} ). This account is only being reported in on their Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and Associates is in violating HIPPA right by reporting a debt by XXXX XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the Hospital. It is very humiliating and embarrassing. I am prepared to take legal action against Wakefield and Associates for causing me emotional distress and violating my rights. At this point it's not the measly {$730.00} it's about the fact that they are displaying my personal health for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX XXXX  XXXX {$0.00} Charge Off XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX I, XXXX XXXX {$1400.00} XXXX  XXXX {$520.00} XXXX  XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation