vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2017, XXXX XXXX deposited a check from XXXX XXXX into heXXXX XXXX XXXX Account via mobile check deposit. She then secured the physical check in our apartment and we left to plan a special life event with subsequent travel outside the country fully expecting the check to clear. 

Upon our return, XXXX deposited the same XXXX XXXX XXXX check via mobile deposit into her Citibank Account on or around XX/XX/2017, having forgotten about the original deposit to XXXX XXXX. Later in reviewing her XXXX account she noticed that she had already deposited the check in XXXX, and she called Citibank to report the errant deposit. Citibank removed the funds from her account and returned them to XXXX XXXX. 

XXXX then ripped up the original XXXX XXXX XXXX  check and disposed of it in the recycling/trash. 

As far as we can tell, a physical reproduction of the check was then presented to XXXX XXXX XXXX at one of their branches and the Federal Reserve contacted XXXX XXXX  stating XXXX XXXX would honor the physical check over the mobile deposit. 

Without contacting XXXX, XXXX removed the funds from her account and when we discovered the transfer were told that XXXX XXXX requested the removal of funds from her account. 

XXXX submitted a CFPB complaint against XXXX XXXX that was transferred to the FDIC. 

XXXX responded to the complaint stating the check was presented to an account at Citibank in XX/XX/2017 and that XXXX requested the Federal Reserve make an adjustment and that in their words " It appears the adjustment went against Ms. XXXX XXXXXXXX XXXX XXXX Account and not Citibank. '' They also give the routing number for the Citibank Account : XXXX. 

XXXX then states in their response that the adjustment was " processed incorrectly with the Fed, and Ms. XXXX 's funds are with what appears to be a fraudulent account at Citibank. '' XXXX XXXX did not respond to the issue of the check being physically presented at XXXX XXXX XXXX. XXXX XXXX XXXX response to the original CFPB complaint is attached to this 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 monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
Went to the Emergency Room at Utah XXXX Hospital in XXXX, Utah in XX/XX/2016. Paid bill for hospital portion and for XXXX services. Never received one bill from Utah XXXX XXXX XXXX for this visit!! Never received a phone call to verify my address or tell me that I had a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. 
computer generated letters are all I'm getting back with no human interception.

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 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I have been working with XXXX XXXX XXXX ( XXXX ) and LoanCare to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( LoanCare ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to LoanCare from the county as no payment was due. When LoanCare received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX to LoanCare and that LoanCare would need to reimburse me for the escrow shortage. I then began to work with different agents from LoanCare to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with LoanCare. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. LoanCare, a XXXX company, Nationwide Mortgage Licensing System ( NMLS # XXXX ) XXXX XXXX, XXXX : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch 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 2018-07-10 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: TX

Complaint narrative:
I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals XXXX   XXXX , XXXX XXXX- XXXX, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND EXQUIFAX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX AND EQUIFAX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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 AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXX allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. EXPERIAN AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH EXPERIAN AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. XXXXonsumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED.

It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.

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 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Windham Professionals, Inc.
State: MI

Complaint narrative:
A place called Windham Professionals keeps calling my number, and asking for someone who apparently has had my number in the past. They are leaving some very bile messages and I have repeatedly told them, the person they are looking for no longer has this number. Their number is 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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
THERE ARE NO WRITTEN CONTRACTS STATING THAT I OWE THIS DEBT TO THIS COMPANY ; I HAVE NOTHING STATING THAT I OWE THIS COMPANY SCA COLLECTIONS ; PLEASE REMOVE

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 2018-07-10 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: Nelnet, Inc.
State: NM

Complaint narrative:
Student Loan had been in " OK '' standing since XX/XX/XXXX. As ofXX/XX/XXXX, my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Paying mortgage payment on line BOA charges a {$6.00} fee if not paid on the XXXX which is the due date. The grace period due date is the XXXX. If I took the payment directly to the Bank on the XXXX there would be no fee charged and the same goes for it if I mailed payment in after the XXXX. no other financial institution I deal with has such a policy .I am XXXX years old with ss as only source of income .These income dates vary by the month causing great inconvenience if I have to drive 50miles on  some months to make timely payment. this fee seems an unjustified hardship especially when the bank in most cases receives its money faster with the 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 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, Ocwen Loan Servicing, LLC, communicated for the first time that the flood insurance had expired. Under Florida statutes a lender or servicing company must provide sufficient notice to the homeowner at least 30 days before it actually expires to avoid any gaps or lenders force placed insurance. 

We provided flood coverage. However on XX/XX/XXXX, Ocwen loan servicing LLC, responded that was unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX. 

In response to their letter dated XX/XX/XXXX, unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX, be advised Ocwen Loan Servicing LLC, stated on thier previous letter on XX/XX/XXXX, that the policy had expired. This means that there was an existing policy. As per Fema regulations, when ever a homeowner has an existing flood policy there is no gap when renewal because is a rollover.

As per Fema regulation, when is a new flood policy then there is a 30 day wait. Ocwen made an admission on XX/XX/XXXX, by clarifying that there is an existing flood policy and therefore is a rollover with no gaps. Whys is Ocwen referring to a Gap? Because is a long time scheme Ocwen was engaged to for many years. 

In XXXX, a class action lawsuit XXXX v Ocwen Loan Servicing, the servicer agreed to a XXXX XXXX class action lawsuit settlement over allegations they entered into a force placed-insurance scheme that charged the homeowner inflated premiums for flood policy. 

Ocwen, failed to provide us with the flood renewal within the statutory 30 day prior notice to the policy expiring. We ask that you investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I sent a letter to Mr Cooper due to a dispute with my escrow account when they sold my loan to XXXX XXXX. Apparently Mr Cooper Mortgage changed my escrow collections " by accident '' in XX/XX/2017 which left me a shortage of {$1600.00} owed this year. Therefore XXXX XXXX raised my monthly payments by {$200.00} which was a shock for me!!! 
Please see my attached letters for full details. After Mr Cooper received my letter they sent a response basically saying " sorry we made a mistake but you still the owe the money and we will not be paying for our mistake. '' As a consumer the purpose of escrow is to put enough money away to pay out my taxes, insurance, and other such things. If you are not going to do it correctly what is the point of you doing my escrow?? I as a consumer that pays all of my bills on time can certainly pay my own taxes, insurance, etc without having to have someone do it for me if I'm going to get XXXX in the end!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.

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 2018-07-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have autopay that pulls monthly on the XXXX. I pay extra each month to the highest interest rate loan. I have it in my settings to not advance the due date. Navient 's autopay pulls the same amount each month, even if the statement shows I owe less. The autopayment and statement difference is sprinkled across all my loans, putting as little as less than {$2.00} on the highest interest rate loan, because Navient advances my due date on whatever loan I pay extra on, even when I direct it not to. This has been happening since XX/XX/2018. I called the first time XX/XX/XXXX, and they backed my due date up so my autopay would be applied appropriately. I called again on XX/XX/XXXX, and the agent was not helpful, and told me I'm not making my payments correctly, and switched my settings to pay on the highest balance, which is not what I want. While currently that would apply the extra on my loan to the highest interest rate, it won't be correct for long as I pay extra each month.

Company response to consumer: Closed with explanation