vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
Mr. Cooper sold our mortgage to XXXX XXXX in XXXX of XXXX. I did not receive the new account info from XXXX in time to timely make the XX/XX/XXXX payment. Knowing that Cooper would forward the payment on to them as required, I let the scheduled payment to Cooper go through. This was an attempt to not be late on any payment. 
Cooper received the payment on XX/XX/XXXX. They did not forward the payment to XXXX but refunded back to my bank account on XX/XX/XXXX. They did this without any notification to me whatsoever. Thinking this payment was made resulted in XXXX dinging my credit for late payments. I, along with XXXX XXXX, I have attempted to get Cooper to account for this issue by contacting them in XXXX. They opened a case on the issue but have not produced anything. Phone calls to them are confusing as we have been given conflicting information every time we have called. Case # XXXX, opened on XX/XX/XXXX, is the Cooper case. Additionally I have been emailing XXXX XXXX at XXXX with information and for status updates with no response. Cooper sent a letter asking for an additional 15 days to review this issue more than a month ago and an ambiguous email last week that in no way addressed the the issue. 
XXXX has stated that a letter from Cooper stating that they did receive the payment and failed to notify me of the refund will go a long way to the removing the missed payments on my credit report. Cooper failed to follow their own policies on this which negatively effected our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
batting ID theft for more than 7 years no will give me credit or help filed with ftc, police and cfpb and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: CA

Complaint narrative:
I have Direct Deposit with Netspend ( XXXX ). My job sent direct deposit for {$6100.00} on XX/XX/18. XXXX received on XX/XX/18. I was supposed to have the DIrect Deposit in my account at the latest on XX/XX/18. I had to wait for 48 hours to receive my deposit.

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 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
This company keeps calling my job & I dont know them & I owe no one. They are also sending robo calls I have proof if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and set up a Paypal account through my XXXX website, and successfully linked it to my XXXX bank account in early XX/XX/2018. 

A donation for {$540.00} was processed through my website by Paypal on XX/XX/2018. Paypal 's policy states that they may hold funds for " up to 21 days '', but when I checked with Paypal after 21 days, they said the funds were still on hold and they could not give me a release date. Note that I am not a product or service provider, so there is no legitimate reason I can see why they would withhold funds donated to me. 

It has now been 31 days, and Paypal has still not released my donation, which is creating an issue for my XXXX. When I asked why the funds are being held, Paypal 's tech support chat line said they did not know. 

For all this trouble, Paypal is charging a " processing fee '' of {$15.00}! 

In researching this issue online, it seems that Paypal has done this to other consumers as well, particularly through the XXXX website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
ditech sent me an escrow shortage letter. they said they were going to increase my payment do to shortage. i sent them an escrow shortage letter for the amount they stated. they cashed my ck and still raised my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen, has been giving me nothing but the run around concerning my escrow account. I have changed my home owners insurance company to a much cheaper company and instead of me receiving a decrease in payment as expected, I received an increase. my loan payment went from XXXX to XXXX. I have called and spoken to numerous agents who have told me that I was being incorrectly charged twice for my escrow payments by accident and that they would be doing another analysis so that they can fix it. after the second one was completed it was still not fixed. I was told the I had an escrow shortage of over 3,000.00 which is totally incorrect. I have never been late on my mortgage payment. when I cancelled my old policy I was reimbursed by them but, I sent some of the money to them and based on my calculation I thought that the amount I sent them was correct. but, I was a little short so last year they went up on my mortgage by XXXX. I was told that starting in XXXX that I would see a decrease in my mortgage but instead of going down it went up for no apparent reason. I am requesting an investigation to ensure that they are not trying to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..

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 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I used the credit card to make some large purchases and suddenly my account was closed. The card earns 2 % cashback and the bank will not give me the {$380.00} that I should be receiving in cashback.

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 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX over several visits I visited XXXX XXXX XXXX and always provided co-pay payment with each visit. At the end of XX/XX/XXXX XXXX ( AKA XXXX XXXX XXXX ) was sending me different amount due on my account. I made phone calls and two trips back up to XXXX settling the matter. As of XX/XX/XXXX I provided bank statements with charges applied that matched each visit. ( Basically did their job for them ). XXXX located at XXXX XXXX XXXX location in Kansas took the statements. I called her back a few days later and she said my account was paid in full. Now almost 2 year later I received a collection letter last night. When I spoke to my insurance company back in XX/XX/XXXX they told me all I would owe is the co-pay of {$65.00} for each visit. Which I have done and provided proof back in XXXX. Matter of fact I don't have copies of these statements because XXXX asked if she could have them to fix my account so I gave them to her. 
Last night I received a collection request from XXXX XXXX XXXX on account XXXX File # XXXX for {$62.00} owed. I have never seen this amount. Another new amount. I have documentation of the dated of service. I believe there could be fraud for all the different amounts they keep trying to bill me. 
I don't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I took care of all accounts and the consumer agency keeps threatening me sending me text message their fraudulent.

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 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Shellpoint Mortgage company is overcharging me fees. I have been trying to resolve this past discrepancy with the amount they say I owe. I have not fallen 60 days behind but they have been charging me fees which makes it appear that I owe several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My XXXX XXXX mortgage Loan service was transferred to Nationstar Mortgage XXXX d/b/a Mr. Cooper on XX/XX/2018. FHA XXXX XXXX loan is negligent on transferring my loan to a servicer with a history of consumer violations and penalties. Mr. Cooper the new loan servicer has not contacted me about any such transfer or what account to pay my mortgage to. Without refinancing I want this transaction voided. I have not even made my first mortgage payment to Mr.Cooper and they already violated my consumer rights by not contacting me within 30 days of the XXXX letter notice I received dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, on their website has asked me for information in order to place a freeze on my XXXX year old dependent child 's credit file. The website asks for certain identifying information, which I have provided, however they are asking for more identification which is not inline with the website. One of the items that they now need from me is a certified copy of my child 's birth certificate their website asks for a copy of the birth certificate for proof that I have authority but not asking for a certified copy. I provided a copy, not certified as the law is clear that I should not have to pay for a credit freeze and this would cause me undue expense. Later on the page I am asked for identifying information for me and for my child one of the identifying pieces that I could give is my child 's ssn, which I provided on the letter that they received for request for freeze. I also sent a copy of my driver 's license as proof of my identification, which they asked for. I had sent the three items they asked for but now they are saying that they want more proof. I feel that they are not living up to the law and are attempting to not put a freeze on my child 's file so that they can continue to sell his information. I am only requesting these freezes on my family 's credit as to protect lenders from being ripped off as I am not afraid of identity theft, it's not my responsibility to protect the banks, it's their responsibility to not get defrauded. However, I am doing my best to be a good citizen and help the banks to not get ripped off and TransUnion is going out of their way to not honor the new law for a no-cost credit freeze. They are attempting to cost me undue expense for " certified '' copies of documentation. Please do what you can to make sure that they provide no-cost credit freezes without undue expense. 
After speaking to a person at TransUnion, they made a note that I had provided what was asked on the website but I am now being asked for more information. I have offered to fax them more documentation and they handed me over to a supervisor. The supervisor was little help and said that I'd have to call back because they could not access my son 's file at this time and that I should try again in a few hours. I am getting the run around on this and don't want to waste too much of my valuable time. Again, please help in dealing with this bureaucracy, thank you.

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 2018-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I submitted documents for a HELOC, and the lender ( BECU - Boeing Employees Credit Union ; Routing # XXXX ) lost them. The loan application expired w/out the lender making me aware prior to expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Best Buy Account # XXXX In short, I purchased a television with an extended warranty. Best Buy was unable to repair the television so they agreed television back and credit my account accordingly. This was never properly done resulting in a credit default. Best Buy has countless notes reflecting our conversation and have since informed me that they are no longer handling this account.

After multiple escalations within the credit department at Best Buy I was assured that the account has been settled. I have recently received communications from CITI stating that my credit has been negativly impacted and I still have an outstanding balance. 

This account has been forwarded to the following two collection agencies : CITI XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Account # XXXX Again, Best Buy has countless recorded conversations confirming that this debt was paid in full. They also have notes reflecting a XXXX balance.

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 2018-10-17 00:00:00
Product: Debt collection — I do not know
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: JTM Capital Management, LLC
State: NY

Complaint narrative:
They are threatening me with legal action saying my pay would be garnished and debt would damaged my credit for the next 15 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Check Recovery Group
State: AL

Complaint narrative:
This company CRG has contacted me on my employer phone and cell phone on several occasions regarding a loan that they claimed that I owed and it is not mine. I have told them once before to do not contact me and to contact my attorney and they continue to contact me with threatening calls about delivering paperwork to my job. They will not provide me with any company information or anything to stop these harrassing calls and all I have is the company 's phone number. The number is XXXX and have spoken with some rude characters that only hang up when asking about the details of the company that they are trying to collect a debt from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services
State: CA

Complaint narrative:
We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available. 
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief