vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been banking with Citibank since XXXX. In this last week I have been charged {$64.00} in overdraft fee. I have called the bank because my account has never gone in the negatives. I have checked my account at XXXX XXXX and at XXXX XXXX when I wake up and I have not seen any negatives. I have made transfers between my accounts because I know there are some payments that will be coming through that day. Then the next day I see I have an overdraft fee. This happened twice the second time I called and spoke to an agent who assured me that I would not be charged anymore over draft fees. I made another transfer to bring my account to positive and the next day Im in the negatives because of another draft fee. According to the manager the agents do not have access to see the transactions been posted that day if they did. I would have been told how much money I needed to transfer that day. I was short {$9.00} and ended up paying {$64.00} because of it.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: LA

Complaint narrative:
In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX & Credco were both places my credit was pulled & I have informed them about the letter from 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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

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 2019-08-01 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a charge off account with Synchrony Bank that has been reporting a {$0.00} balance since XXXX of XXXX. I have disputed this account with XXXX twice for inaccuracy and the results just come back as verified and accurate. The payment history on this account has changed several times where before it shows I was late XXXX of XXXX then XX/XX/XXXX and after it came back verified and accurate it changed to being late in XX/XX/XXXX and XXXX of XXXX. Also, XXXX reports this account as " Paid in Full/was a charge off ''. This status is what XXXX shows after the investigation of my dispute as of XX/XX/XXXX. As of XX/XX/XXXX XXXX is showing that I missed a payment on this charged off account in XXXX as well as showing a balance of {$440.00} on the Sync/Walmart account.

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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I attended University at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. this was not a federal loan the school allowed me to attend XXXX room and board. I was unable to get financial aid so I was allowed to stay After that I left school because I did not have the money to pay for the semester I owed so I left. The statute of limitations has expired on this debt. Yet I am being harassed by XXXX and the Louisiana department of justice collections unit over this time-barred debt. I called FAFSA and they told me this is not a federal loan but a private loan from XXXX and it is still listed in my loans from federaloans.gov since the school reported a balance owed. XXXX is my loan service provider so I called them and they said my loans were all deferred even the XXXX timed barred loan. So I need help because of the Louisiana dept. of justice, collections unit are trying to get me to agree to pay now under duress. Federal law prohibits the collection of a debt timed barred and if not timed barred this law prevents repayment requests while in school. I am asking either 1. XXXX account be removed from my credit report 2. get them to comply with federal law regarding deferment and to stop harassing 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 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loan Care is servicing the loan which we fell behind on and we have been trying to get our short sale approved since XXXX. My agent says they don't know the process, they are asking her for things that are not legal, and now that the appraisal has been done and our offer is meeting the net, they will not send an approval. The underwriter 's name is XXXX, she will not return my agent 's calls. The supervisor we have been dealing with is named XXXX, he just continues to say that she will call us, but we have been in this loop for weeks. Today my agent called in 3 times, was on hold for over an hour and a half the 3rd time and was then disconnected.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i had a banana republic card where I get points for purchases, and I shop with those points.  In XXXX  of this year in one day XXXX  dollars worth of points just disappeared from my account.  I called and spoke to customer service, then I got transferred around and was told oh yes this has happened to a few people I will file a report and we will get back to you.  One customer service person said the the fault was with old navy and their web services they sent out rewards to multiple people with he same number.I have copies of the reward certificates printed out from old statements each one has a ups code of some kind. Each on is unique why can they not track who they gave it to?I specifically charged services ect and pay of the bill every month so I can get reward points and use them towards clothing purchases. Its is as though the bank stole XXXX dollars from me.  It is nowXX/XX/XXXX... I have called multiple times have spoken to different people and was told after two business cycles my points or rewards would be reinstated and or I would receive some kind of notification in the mail. I have never gotten any mail from them them.   Why would I keep this card if they intend to not live up to their promises.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
On XX/XX/2019 I received a notice of collection from State Collection Services ;  located at XXXX XXXX XXXX XXXX, WI XXXX. I sent a letter on XX/XX/2019 notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. This company has broken the law by not providing a verified debt to collect upon after they have been informed to cease their collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Mrs. XXXX XXXX, License MLO # XXXX from XXXX XXXX  was the Mortgage Loan Originator for the purchase of my home on XX/XX/2014. 

I didn't have previous experience in the purchase of a home and I entrusted Mrs. XXXX to handle all the documentation for the transaction. 

In her eagerness to close the loan and benefit herself with the commission, Mrs. XXXX offered me the First Time Home Buyer Assistance Program from the Florida Bond. She stated that the could " give '' me {$10000.00} towards down payment and closing costs and that, if I lived the home for 5 years, that debt would be pardoned/waived. 

Of course, it sounded great to me since I am a single mom, going through a separation and a rough financial time, so I took the course, got my certificate and received the assistance. 

5 years will be on XXXX, and I am in the urgent need of buying a second home for my relatives using the equity on my home, so I started contacting the bank who owns my loan now and asking about those $ XXXX, they said that the information received from the Loan Originator, Mrs. XXXX at the time is inaccurate and not true. they said that it was processed as a second mortgage and it would have to be repaid not matter what is done with the property, sale or refinance. 

When I received this information from the bank, I immediately contacted Mrs. XXXX to ask her about this and she admitted that she didn't looked for the accurate information and just told me what she thought it was. 

With this circumstance, I am not able to purchase another property for my family as I so much need since I am XXXX short to be able to buy them a decent home. 

I hold Mrs. XXXX accountable for her mistake of providing me with deceitful and misleading information to use for her convenience, close the loan so she could profit from it. 

I feel that Mrs. XXXX took advantage of my inexperience & circumstances at the time and abused my trust in her to profit herself from it, leaving me with an unexpected and obviously unwanted debt.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I closed on on a cash out mortgage refinance through SoFi to lock in a lower mortgage rate as well as consolidate a SoFi personal loan. The refiance was funded and cash was sent to pay off my old mortgage fairly quickly ( by XX/XX/XXXX ) but my SoFi personal loan has not been funded yet. My understanding was that funding should occur fiarly quickly after a 3 day waiting period after closing. I also understand that the longer my personal loan is not funded, the longer I am being charged interest on two loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX  year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: OR

Complaint narrative:
XXXX today i was contacted from a someone who serves document for suing and being taken to court. i was given a phone number and a case number from this individual over the phone. 
i had called the phone number given at XXXX XXXX. 
i had proceeded to contact this company and listen to what they had to say. i had explained to them that this debt is not a valid debt as i have been in contact with company i had gotten the loan from. after about 3-5 minutes of explaining. she had put me on hold and talked to her supervisor and told me that this is valid. she said that i would have to look at the documents to get the information from. i was told that someone had stopped by yesterday XX/XX/XXXX and there was no answer from the door and that someone will be out again today XX/XX/XXXX. she couldn't tell me the amount that was supposedly owed. as i had gotten the name of the company and i had talked to them months before and now they are changing there tactics. i had asked for them to please stop calling and that i will be blocking this phone number. this time was a different phone number not a robo caller but i did get a live person and i haven't in the past they had answered right away i had tried multiple times in the past for them to call the loan company and i was told this is not my job from a/the supervisor. 
XXXX i had called the original company where this was all started. I had talked to someone in the front office as they called it. i had talked to them for about 10 minutes at this point. she had transfered me to the back office i had talked to another individual. she pulled up my account and had confirmed as well that this debt is not a valid debt. she is sending me a screen shot of the debt not being owed and that it is no longer valid along with the collections agencies that have been reporting to them. she had also told me that this was done back in the year XX/XX/XXXX from a washington location. i am still waiting for the this to be emailed to me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My mother opened an automatic roll over certificate of deposit with XXXX XXXX in XXXX  for $XXXX with a 5.21% interest rate, the bank was bought out by suntrust. Suntrust has record that the cd went dormant in XXXX but can not tell me what happened to the money because the account is so old the money was not sent to the state lost funds. I have the original cd

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I paid my XXXX mortgage payment on XX/XX/2019. According to their statement XXXX XXXX payments will be posted immediately. I went to XXXX which is a XXXX XXXX merchant and paid my XXXX payment knowing that my payment was supposed to be processed immediately and posted to my account to save me from a 30 day late on my credit report, I even confirmed the additional fee and the immediate posting of the payment with the clerk. No where on the statement and in the disclosure does the company state that weekend payments including XXXX XXXX payments will not be posted on the day received, but will post the following business day. I paid extra money for the immediate transaction for the immediate posting of my payment. I called in the next day, XX/XX/XXXX and spoke to XXXX ID # XXXX. XXXX took my transaction tracking number ( # XXXX ) issued by XXXX XXXX and assured that the payment would be posted on the account the day it was made, XX/XX/XXXX. I received notification through XXXX XXXX on XX/XX/XXXX stating that I had a 30 day late with my mortgage. I called the company and they stated that yes my payment wasn't received until XX/XX/XXXX even though their they have notification from the XXXX XXXX transaction of the payment date being XX/XX/XXXX, and that they would not back date the payment as promised. I spoke to XXXX ID # XXXX. I will be disputing the report with the credit agencies for a company who will not uphold to promises or fail to disclose information to their customers, and providing proof of the transaction being made and received on XX/XX/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 2019-08-01 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV is garnishing my wages and stated that I had been served on XX/XX/XXXX and that judgement on the account was on XX/XX/XXXX. My complaint ... oh there are many as this is NOT being handled well AT ALL. They are still not reporting payments made but I will not get into that at this time. In my previous complaint I had concern over the huge difference in amount and being charged interest ... their reply stated that the judgment stated they could charge 10 % from the date of judgment until the judgment was paid in full. So this tiny little balance of an alleged debt they can not show proof by contract or signature for has grown to almost {$1200.00} which has been paid via garnishment in XXXX through my pay. Why if judgement was made on XX/XX/XXXX did they wait until XXXX of XXXX to start garnishing my wages if not to just grow this 10 % interest. I checked my credit reports and my employer information has always been reported, there has never been any question as to where I worked. I also know they were aware of my last employer because they kept calling me AT WORK and threatening me with jail time and garnishment if I did not pay them in full right then and there which I did not believe and told them as much because again ... I NEVER GOT SERVED for this alleged debt. Oh I would have shown up and requested exactly what I have been all along ... proof and validation of debt by contract and my signature which they have not been able to provide. Now I have been told that my employer has to call them to get a pay off amount next week. Even they said in their 30 years of all sorts of garnishments coming out of paychecks, they have never had to call to get a pay off ... they have only ever had to pay the amount provided on the writ provided from the court. So again ... why is this different. I also have never been answered why they demanded my employer provide hem with my personal bank account name, routing and account number? This is very personal private information that was provided to someone I did not authorize. As a victim of identity theft already and still fighting my way through t all I am very protective of my personal information so this makes me very uncomfortable and do not understand why they would have the right to require this information or even need it since my employer is the one garnishing my wages and sending the money in check form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - verification through the physical verification of an original signed consumer contract or promptly remove from my credit file to which they have repeatedly replied with XXXX are also in violation of HIPAA : to which I have recently requested documentation of what they recieved from the provider of service in connection with this alleged debt

Company response to consumer: Closed with explanation