vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Hello, In 2005 I purchased a house taking an 80/20 loan. Around XXXX of 2020 I received a letter form PHH ( 2nd mortgage ) that the loan matures in XXXX  2020. I reached out to them about a dozen times to try to work out our options because the balance is around XXXX. ( made monthly payments for 15 years and the balance never went down ) Every time I'd call, I was on hold for extended periods of time, transferred, on hold, transferred, on hold ... etc., with a few dropped calls in between and never able to resolve the issue. When I would get ahold of an actual person, they would recommend me to their website to fill out a form for a loan modification ... .which I was denied. 

Called back multiple times through XXXX and XXXX and would only get the run around. 

I called PHH again in XXXX asking to speak with a supervisor, ( mind you this is probably the 8th or 9th time I called ) I got a hold of someone who set up a time and date for a " case manager '' to call me back on XX/XX/XXXX ... No call. I called them back to find out why I didnt receive their call only to find out they didn't have my correct information. I set up another meeting with the " case manager '' for XXXX XXXXXX/XX/XXXX at XXXX XXXX ... no call from PHH. 

Now we are in the beginning of XXXX, I call again and Im transferred multiple times to get other person to set me up with a meeting with the " case manager '' from PHH to call me on Monday XX/XX/XXXX ... .NO CALL AGAIN!! 

After multiple attempts, feel they don't want to resolve this issue. I want to get this situation straighten out but I can not come up with $ XXXX in one lump sum ... especially now in this economic Covid climate. Im constantly receiving mail from them with options of " Foreclosing '' on the house ... .This is not an option for us. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
Received notification of a XXXX debt from XXXX XXXX that was sent to collections back in XXXX caused by identity theft as I have never been a resident of XXXX. I was not informed until XXXX. I disputed it with Aargon Agency in XXXX XXXX XXXX, provided all the required information ; filed police report, proved I have been an XXXX resident since XXXX ( originally from XXXX  ). Agency told me that my account was successfully disputed. Just discovered on XXXX  that it is very much active and still destroying my credit. I am absolutely livid over this. They have not attempted any contact to collect this debt since speaking to them in XXXX  and it did not show up on XXXX XXXX where I typically check my scores. This has been secretly destroying me for years.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  are running and hiding from me, I Demanded and instructed them to Release my Credit File and Rental history Report, but these XXXX XXXX are running and hiding. I requested the release of my entire file, I supplied my mailing address as : XXXX XXXX XXXX XXXX XXXX, GA XXXX, but rather these XXXX XXXX got to Running, this is funny, these iXXXX XXXX XXXX  think they are Stopping me, these XXXX are XXXX XXXX XXXX Send me my entire credit file for XXXX XXXX XXXX!!! $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I recently refinanced through Amerisave mortgage. They have failed to pay XXXX 4th quarters taxes. I contacted them on XX/XX/XXXX after I received a tax sale notice from my town. I also emailed them a copy of the notice and the tax amount that was due. They failed to pay by the end of XXXX. On XX/XX/XXXX, I received another notice from my town regarding the taxes owed and the upcoming tax sale. I contacted amerisave mortgage once again and forwarded them a copy of the tax sale notice. I received my monthly mortgage statement and observed that I had XXXX in my escrow account. I contacted my towns tax office and was advised that the taxes were still not paid. On XX/XX/XXXX, I received that last of the tax sale notice. I contacted amerisave mortgage again and was told they sent a partial payment on XX/XX/XXXX. I contacted the tax office and was told they have not received any tax payment. The tax sale is scheduled for XX/XX/XXXX. As of this date, XX/XX/XXXX the taxes have not been paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: AL

Complaint narrative:
I have a closed account on my Experian report that is reporting inaccurately. The payment dates are all wrong and it has a recent reporting date in XXXX, even though it was closed in XXXX. Experian is not removing the account and the inaccuracies are STILL there. I have disputed these inaccuracies and requested that they remove this account due to the inaccuracies however they have failed to do so.

Note- This only account is NOT on my XXXX Note- This only account is showing different information on XXXX  than what is showing on Experian. None of my 3 credit reports match because of this account and the inaccuracies. 

I want this account removed off my credit report IMMEDIATELY due to inaccurate information. 

Account name : XXXX XXXX XXXX XXXX

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 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Ive set number of emails at least six to Miss XXXX from the collectors of {$150.00} that was paid in full on two separate payments the same hour same day XX/XX/2020 I will contact her for five times I left voicemail messages for her I still have not gotten back to me as of what is going on what is still sitting on my credit report nothing is being done her name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two XXXX. An Awards ( ... XXXX ) card and a XXXX XXXX XXXX ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX XXXX Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX XXXX XXXX XXXX were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a XXXX past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance XXXX credit ). 

On XX/XX/XXXX, I received two letters from XXXX XXXX attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... ..

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Empire Financial Services, Inc.
State: MO

Complaint narrative:
There are a few violations I feel like are unfair with my loan, and when I have tried to reach out to resolve. There has been dismissal, and rude representatives. 

1. There was never a disclosure or mention or consent to/of GPS tracking inside of my vehicle within my agreement/contract, proven by assisting in repossessing my vehicle from an undisclosed location. I called to discuss this when my vehicle was recovered and the representative said they checked my documents and there is a document baring my signature consenting to the GPS tracker knowing my location. When asked for this said document, there has been no evidence and noncompliance in providing me this document. I have a copy of this document and there is no mention. 

2. Due to coronavirus, I was unable to pay in XXXX and XXXX, and a verbal agreement acknowledged by email on XX/XX/XXXX of my application & approved for unemployment. I was able to make minimum payments from my savings until that ran out and before unemployment was actually sent. Therefore made me unable to make a few minimum payments until new employment came in XXXX. I was unable to get ahold of the manager to update on new job until XXXX and when contacted, was then refused the ability to refinance as once before agreed upon on XX/XX/XXXX, and leading to my car being repossessed on XX/XX/XXXX. 

3. I placed an inbound call to the financial department to leave a message for the manager to call me back to further discuss the arrangement on XX/XX/XXXX. I was greeted by a rude receptionist who tried to collect a payment on the call disclosing details of my debt without my consent nor verification while disclosing and trying to discuss details of the loan. This call got heated as I refused to discuss this matter with this said representative, I proceeded to hang up and call back to request a manager to make them aware. This same representative called me back on a non business day ( Saturday XX/XX/XXXX ) to leave a hostile voicemail instructing me to call back to her specific said department/extension. Nothing was done when I reported this harassment matter within the proper channels as instructed by my sales representative. 


I feel treated unfairly and dismissed and having a repossession was not my intention and I do not feel as though it is warranted in these unprecedented times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have this Citi credit card. And I've had it for many years. My credit score I receive every month from my XXXX card, and the latest score is XXXX. However Citi card is charging me 23.49 % interest on one of my balances with them. And 15.24 % on another balance. I was one day late on one of my monthly payments, during the pandemic, and they charged me a late fee. On my latest monthly payment, {$88.00}. is for interest, on my total balance of XXXX. How can they get away with charging that much interest? Especially during a pandemic. And I have a good credit score.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I paid off my mortgage in full on XXXX ( Citizen One mortgage # XXXX XXXX. There were three payments made by my bank following pay off - XXXX, XXXX and XX/XX/20. The first two payments were refunded by Citizens One. However, the XX/XX/20 payment of {$2200.00} has not been refunded. Since it was paid using the automated bank to bank bill pay transfer with Check Free as the intermediary, my bank is unable to return the money. 

Citizen One claims that they refunded the money to Check Free on XXXX but to date has not provided any datils of the refund or trace #. I have spent hours of my time to get Citizens One to refund and am now working with Ms XXXX XXXX ( Customer Service Manager at Citizens One, email XXXX, phone XXXX ). 

I believe Citizen One lacks the process and checks in place address overpayments and has failed to refund the funds in a timely manner. Citizens One is quick at charging customers late fees but what about holding consumer funds for two months? who pays for teh consumer time and financial loss?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 XXXX has not established a central portal for consumers to dispute errors*** I called XXXX  on XX/XX/XXXX XXXX dispute a medical collections added to my credit report from XXXX XXXX XXXX XXXX After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to XXXX on XX/XX/XXXX which was delivered XX/XX/XXXX ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/XXXX received by me on XX/XX/XXXX ) Indicating the debt was verified as accurate and the date was updated. 

XXXX did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/XXXX and their investigation response was dated XX/XX/XXXX ( 3 days )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I do not owe this debt and the balance date is inaccurate. They formerly had this account.They reported the debt to my credit on XX/XX/XXXX, NOT in XX/XX/XXXX. I have historical proof! I have recorded alerts via XXXX  XXXX portal that shows when the agency first reported to the credit bureaus about this debt. The collection agency is practicing illegal acts : Ability Recovery Services , LLC located at XXXX XXXX XXXX XXXX, PA XXXX. They have been on my credit file before XXXX but they are reporting the account in their office as new as of XX/XX/XXXX. The account they have is more than a year old. That is illegal. Please have them to stop harassing me, as I do not owe this debt. Thanks in advance!

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
My loan was refinanced and owned through XXXX in late XXXX, but moved to BSI in XX/XX/XXXX. During the transition a {$450.00} fee was showing on my account under 'Fee Billed ' on XX/XX/XXXX. I have never historically or currently missed or been late on a payment ever. I called BSI 4 times over a 3 week period to understand what the fee was for and get supporting documentation and the company kept telling me that it would be awhile until all documentation would make it over " during the transition '' but that I needed to pay to avoid penalty even though no one could give me any information on the fee or supporting documentation. 

In XXXX of XXXX, 6 'Fee Billed ' charges have shown up on my account with the following dates and amounts : XX/XX/XXXX {$130.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$270.00} and XX/XX/XXXX {$45.00}. Upon seeing these charges mid XXXX, I called BSI on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX to get a response on what the fees are with supporting documentation. NO response has been provided to-date. What kind of company can EVER charge a fee and not know what it is for and have detailed documentation to support that. I asked that my request be escalated on XX/XX/XXXX to a Manager and was given XXXX as my contact. She promised me a response no later than XXXX. When I called back on XXXX I got her voicemail and no call back. I called the main # again on XXXX and was told she left the company! This is FRAUD. 

As noted above, I have NEVER missed a payment ever on my mortgage. The only other relevant item is that the City offered $ to us due to a water project impacting our property and new easements. No money has been received to-date as we are unhappy with the offer. However, this was back in early XXXX and as CONFIRMED with XXXX there is no mortgage $ owed by me given the equity value we have in our home. 

I need a response ASAP on : What are all 8 charges are for WITH line item detail that supports how these are in relation to any misconduct or breach of contract on my end These fees and this process is beyond fraudulent and the fees need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
A collection debt from an agency called CREDENCE RM appears on my credit record in the XXXX agency. 
This is the second time that a debt to XXXX XXXX XXXX appears in my record for the amount of {$2500.00}. 
I have never had debts with XXXX XXXX XXXX and this has appeared and affected my credit for the second time.

Company response to consumer: Closed with non-monetary relief