vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I took out a high interest loan in XX/XX/2016. The loan was for {$4000.00} My payments were to be {$290.00} semi monthly. The payments were set up on my pay dates which are XX/XX/XXXX and the last day of the month. However, at some point the payments started changing to XX/XX/XXXX and XX/XX/XXXX of the month. So, at some point this past year and 1/2 every other payment started getting returned. I tried to resolve this earlier this year with no resolution. I also contacted the company by phone about 4 weeks ago and the customer service person wasn't able to help me again. Today I called at about XXXX and spoke to a customer service rep ( who incidentally said he spoke to me the last time ) and he still couldn't help me. He told me again that I had to call during business hours which was by XXXX XXXX  PST. I calculated that I have paid {$11000.00} towards this loan! Based on all the cleared payments on their system! When I try to view contract online, it says it's not available. The rep said he couldn't view it either. He said it appears that my loan was part of a " migration '' from another part of the company. At this point, my current balance is {$5100.00} and the principal balance is {$3200.00}. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need Equifax, XXXX, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and Part XXXX  of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, Equifax, XXXX, and XXXX  can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX-17 I sent a credit dispute to XXXX XXXX to the address listed on my Experian credit report via certified mail. 

The address listed was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX The parcel was returned to sender and XXXX  did not respond within 30 days. 

In accordance with the FCRA this item must be deleted. 

A copy of the certified mailing and Experian credit report are attached.

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 2018-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I HAVE BEEN SENDING LETTER BECAUSE IN XXXX I CANCELED THE ACH PAYMENTS AND SET UP BILL PAY AT MY CREDIT UNION. NO ACH CAME OUT FOR 3 YEARS. THEY GOT ALL THE PAYMENTS OF {$200.00}. PER MONTH ON TIME AND WE WERE EVEN PAID AHEAD FROM MY CREDIT UNION. THEN IN XX/XX/XXXX SLS DECIDED TO TAKE OUT {$200.00} AND SAID IT WAS FROM MY ACH. I NEVER SET UP AN ACH OF {$200.00}. THE ACH I WAS PAYING AND THEN CANCELLED WAS {$200.00}. EVEN. BECAUSE OF MY PAYMENT FROM THE CREDIT UNION AND ACH PAYMENT COMING OUT I WAS CHARGED AN OVERDRAFT FEE AND I WANT SLS TO RETURN MY {$25.00}. OVERDRAFT. THEY KEEP SAYING I AUTHORIZED ACH, BUT I KEEP EXPLAINING IT WAS CANCELLED AND THE PROOF IT WAS CANCELLED IS THE FACT THAT IT DID NOT COME OUT FOR 3 YEARS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my
credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, XXXX, and Transunion to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, XXXX, and TransUnion can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, Experian, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, Experian, and XXXX can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
A while back ( year or two ) I did a balance transfer to chase. However I just checked my statement and I see that not only am I being charged monthly interest ( Which is normal ), I am being charged a monthly balance transfer interest as well. I have never heard of this and do not remember reading about that years ago when I switched. This is been cost me XXXX  and {$36.00} a month for XXXX knows how long. If it was in there was probably hit in the mound of mice type that you cant see. I would like this fee taken off and a refund For the money theyve taken each month from Me for this bogus fee. My wife has done many balance transfers and is never receive a monthly balance transfer fee. I couldnt even find something like that on the Internet when I just tried to find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
Ms. XXXX XXXX of Movement Mortgage kept sending my wife 's and my sensitive and personal information in CLEARTEXT over the Internet. When we asked her to stop sending our sensitive information in cleartext over the Internet, THAT'S when she then informed us that Movement Mortgage wasn't going to provide us with a mortgage pre-approval. We were ok with that. However, we were not ok with Movement Mortgage keeping our sensitive information in light of their poor custodial management of our information. We asked Ms. XXXX to please delete any and all information ( including emptying her email " trash can '' of any correspondences with our sensitive information and to delete any and all of our sensitive information from their servers. Ms. XXXX claims to have deleted all the emails. However, she then told us that Movement Mortgage was required to keep our sensitive information ( per CFPB regulations ) in case they are ever audited. When we asked her to provide us with the regulations, she was unable to. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
The Phoenix financial services called me 5 times on XX/XX/2018 from phone number XXXX XXXX XXXX XXXX XXXX XXXX I asked the lady the called for the 5th time if that is protocol that they call continuously she said it is standard in their procedures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied XXXX AMEX credit card beginning of XX/XX/2018, but the application was rejected because I had two new AMEX credit card within 90 days. After passing 90 days, I applied XXXX AMEX credit card on XXXX, XX/XX/2018 and the application was approved. Before applying the credit card, I checked multiple times whether I am eligible for welcome bonus of the XXXX AMEX card. I checked it over the phone and chat service. The AMEX told me that " yes, you are eligible for the welcome off ''. After the card was delivered, in order to make it clear before completing required spending for the welcome bonus, I wanted to check whether I am eligible for the welcome bonus of the XXXX AMEX, so I called to AMEX. They told me that " No, you are not eligible for the welcome bonus and it might be due to system error. We will fix it within 3~4 weeks ''. I chatted withe them after the 3~4 weeks, they told me that " You are not eligible for the welcome bonus because you mis-used welcome bonus ''. They are changing their words. Please fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint re charge on XX/XX/XXXX. Received letter on XX/XX/XXXX that understand you now recognize the transaction and wish to cancel the fraud case of {$220.00}. This is totally false. Have called several times and told it will be taken care of. To date, it has not been taken care of. Today been on hold for over 1 hour trying to resolve dispute and now trying to cancel card.

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 2018-10-06 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
For the last few months, I have been making payments of $ XXXX- {$35.00} OVER the minimum payment in order to reduce the cash advance balance, which has a higher interest rate. For example, my minimum payment in XXXX was {$54.00} but I paid {$85.00}. The purchase balance was {$60.00} at 15.99 % and the cash advance balance was {$1900.00} at 20.99 % interest. I did make one purchase  on this card last month in the amount of {$20.00}. I received my new statement today. My purchase balance went down to {$29.00} and my cash advance balance went up to {$1900.00}. I thought that payments made over the minimum balance were required to be credited to the higher interest balance first, but it isn't happening. I contacted Chase last month about the same issue, because I again paid {$27.00} over the minimum payment in XXXX, with XXXX purchase of {$24.00}, yet my purchase balance dropped to {$60.00} and my cash advance balance increased from {$1900.00} to {$1900.00}. They claim that they are applying my payments properly, but I disagree. Isn't it illegal to apply extra payments to the LOWER interest rate balance first?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. 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 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX  the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.

Company response to consumer: Closed with explanation