vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I have a foreclosure sale date scheduled for XX/XX/2020 at XXXX. I dont know how SN Servicing Corporation and XXXX XXXX XXXX are able to sell or attempt to sell my home with an old and expired Notice of Trustees Sale, even more Im in an active loan modification process at the moment with SN Servicing Corporation. This is very interesting and very scary for me and my family. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX  sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and their procedures as they are not helping the borrowers, and also the previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
XX/XX/XXXX This is concerning a time-barred-debt from the year XXXX. Multiple collection agencies have harassed me from XXXX to current XXXX. 

Please see attached correspondence each time I have filed with the CFPB. 

Now for the second time Convergent has been calling me and leaving me messages in the months of XXXX, XXXX and XX/XX/XXXX, leaving me partial recorded messages with a number to call. I have refused this time to call them. 
Today, XX/XX/XXXX I received yet another letter attempting to collect on the same time-barred-debt as they did last XXXX XXXX. Please see their attached response ( Adobe doc ) telling me they are not handling the account after I informed them at that time it was time-barred. They were working for XXXX XXXX XXXX XXXX at that time. 
Now Convergent is representing XXXX XXXX, XXXX. The names change but the Time-barred-Debt does not. In fact its older now than it was five years ago when this circus started. 
I have attached every correspondence I can from XXXX through now XXXX including last years correspondence when 3 companies were trying to collect from me simultaneously. 
I want the calls and letters to STOP regardless of the whos who of the latest flavor of collection agency of the week!

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have visa credit card from BBVA ( BBVAUSA.com ). Recently I noticed unknown charges posted on my account ( {$1.00} and {$1.00} ). After 12 (! ) attempts, ( they played game, pretend not understand me or really did not understand, or just hanging up on me ) I initiated dispute. Three days later I received " result '' of investigation, stated that transactions " was authorized ''. There were no time when, no by whom they were authorized, not name of merchandise. My attempts to obtain this info over the phone were filed - they do not speak English.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is a trash company who put my mortgage in forbearance when no one asked. I've been paying my mortgage on time and in full every month and when I try to refinance my mortgage away from that horrible company, the new company gets a message that my loan is currently in forbearance. I did not ask for or even hint at needing one, yet they still decided to do it without my consent. Wells fargo needs to learn about consent because it's not the first time they have issues with that. Now I have to waste my time fixing their stupidity. Worst mortgage company out there!

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 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Partnerships & Investments, LLC
State: PR

Complaint narrative:
American Leading, keeps sending letters to repossed auto. I reported that due to the Pandemic Covid 19, Lost Job. The Dept of unemployment have on hold all benefits due to point of conflicts. So far I have not made some payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
Never got my replacement card after speaking with you all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX went to XXXX  XXXX XXXX to refinance the residual lease end on my XXXX  XXXX  with a maturity date of XX/XX/XXXX. 
Buyout amount of XXXX. As of yet the the lease end shows unpaid, deliquent, and going into default due to delay in paying off lease. Multiple calls made to Finance manager, customer service, lease end department with no resolution.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I wanted to payoff the loan with SLS Loan servicing LLC. Received payoff quote letter dated XX/XX/XXXX, total payoff amount with interest calculated to XX/XX/XXXX is XXXX. My escrow company wired total payment of XXXX to SLS Loan LLC on XX/XX/XXXX with interest calculated to XX/XX/XXXX. SLS Loan somehow changed the loan payoff quote to XXXX last minute on XX/XX/XXXX with additional escrow impound balance of XXXX due to missing insurance policy info ( a policy was purchased on my behalf by SLS as my own insurance policy provided to SLS was miscoded as master policy ). I received a letter stating the shortage of XXXX ( XXXX plus interest calculated to XX/XX/XXXX instead of XX/XX/XXXX ) in order to pay off the loan on XX/XX/XXXX. 
despite of numerous phone calls to customer service stating the escrow impound balance of XXXX had been reversed and brought down to XXXX, thus the shortage of XXXX should be non-existent. SLS insisted that I temporarily covered the shortage of XXXX so the loan can be closed and then everything will be reconciled so the XXXX wrong shortage plus over charged interest will be refunded to me shortly after the loan is closed. And that's the ONLY way loan gets paid off. I sent the wire payment of XXXX on XX/XX/XXXX and SLS received on the same day. Loan was paid off as of XX/XX/XXXX. 
I received a final refund check in the amount of only XXXX on XX/XX/XXXX with no statement showing how XXXX came up with the refund amount. I tried to call customer service a few times on XX/XX/XXXX and XX/XX/XXXX, agents could not answer my question and said to have someone at higher level call me back right away. I received no call backs at all. 
the refund amount should be the full XXXX. SLS made the payoff process extremely difficult and frustrating with no response, no timely help, no capable agents over the phone. insurance policy was miscoded by SLS which resulted in the shortage, yet I, the consumer had to suffer. overall, the most horrible experience I had with any mortgage company by far. 
Also, I was charged {$25.00} fee when my escrow company first requested payoff quote. we never received the quote in the mail, thus I had to call to request a FAX. I got charged {$25.00} again. I have no clue how total {$75.00} fee was charged by SLS while their initial payoff letter on XX/XX/XXXX was even inaccurate. Escrow company followed thru based the initial payoff quote from SLS, then the borrower had to make up the difference and waste more time for this rather easy process.

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 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS an unknown establishment obtained my information illegally ( Violates Hippa Privacy Act ). XXXX   reported ARS account # XXXX - {$150.00} and ARS account # XXXX - {$37.00}. I disputed thus stated items according to FCRA and obtained a letter from XXXX  and was render a verdict of validated debt. XXXX  never produced required evidence from ARS that was in the initial dispute because there is no validity to this debt. Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ).

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I OPENED THIS CARD I THINK IN 2016. A WHILE BACK I HAD A FAMILY, HEALTH AND JOB ISSUES AND I HAVE TRIED TO WORK THINGS OUT WITH THE CAPITAL ONE BANK. 
I HAVE CALLED MANY TIMES TO MAKE PAYMENTS, ETC ON THIS ACCOUNT OF THE LAST COUPLE YEARS. THEY HAVE BEEN VERY DIFFICULT TO WORK WITH, TALK TO, ITS GOTTEN TO THE POINT THEY WONT TALK TO ME, THEY WONT TAKE MY PAYMENTS, THEY HAVE SCREWED UP MY CREDIT OVER AND OVER, THEY HAVE THREATENED ME. IT GOES ON AND ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am disputing an account balance of {$200.00} with XXXX  XXXX XXXX. 

In XXXX I walked into a XXXX  XXXX XXXX branch and requested all my accounts with XXXX  XXXX XXXX be closed and I was assured by a XXXX XXXX XXXX Account Specialist they were closed, but in XX/XX/XXXX I learned the account has a balanced owed of {$200.00}. 

I disputed the account with both XXXX  XXXX XXXX and ChexSystems because I know I am not responsible for the balance owed since I entered a XXXX  XXXX XXXX branch in XXXX and was assured the account was closed. Also, Ive never been contacted by XXXX  XXXX XXXX or ChexSystems about the account until I called both companies for additional information in XXXX. 

I asked XXXX  XXXX XXXX for information on how the charges originated, but they could not provide me with anything. Several representatives said they didn't know. 

I closed all my accounts with XXXX  XXXX XXXX in XXXX with the help of an Account Specialist therefore I am disputing the {$200.00}.

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 2020-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was notified over a month ago by Loancare ( my mortgage servicer ) regarding an escrow reimbursement check in the amount of {$1500.00} that I never received back in 2017. 

I've spoken to 3 different people at Loancare regarding this issue and I've been told that a new check has been requested, and 2 weeks ago I was promised a call back by a supervisor within 2 days and they'd overnight my reimbursement check. I've never received that call nor the check. 

I called Loancare once more last week and the woman I spoke to acknowledged the requested check, but lead me to understand that dragging their feet on issues of this sort is a common occurrence ( according to her ). I informed her that if I hadn't received the check within a week I'd file a complaint with the appropriate government agency. That's the intent of this communication.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 I discovered the BMO mobile app had an error message that prevented me from using my debit card. I called BMO customer service and met silence. On the following day, XX/XX/2020, I called again and was directed to the fraud department, which I was told to call by number. I called the number given to me and had to leave a message on their voicemail. The next two days, XX/XX/2020 and XX/XX/2020, were weekend days so the department was closed, leaving me no access to use the money in my account. On Monday XX/XX/2020 I went to the nearby branch to discuss this issue in person. The person who had helped me was informed that my account was suddenly considered high risk which left me no ability to use the money in my account. Angered, I called the fraud department ( who I was told was the only person who had the ability to resolve this issue ) multiple times that day only to be met with yet more silence and even more messages to voicemail. I still have not had any luck speaking with a person about this problem and am very displeased by the treatment I have been given. This was the first time I had any problems with BMO Harris however the fact I was unable to speak with the person who was supposed to be helping me left enough mental and emotional damage to warrant this big of a complaint.

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