vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PREFERRED CREDIT INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a Payment for the final amount of {$42.00} it was processed on the following day, On XX/XX/XXXX they took another full payment of {$68.00}. I called them on XX/XX/XXXX to get the problem resolved. I was told that the payment would not stop until I called them, so they would have continued to take monthly payments every month had I not called on the XX/XX/XXXX but it was to late and they could not refund the amount taken on XX/XX/XXXX even though they were paid in full. I again tried to contact them by email and again on XX/XX/XXXX with no avail they keep insisting that They do not owe me anything but the {$19.00} which would have been the only over payment if I had not paid the full amount on XX/XX/XXXX. So now I am going to have to go to my bank and have them refund my money to me that they will not an go through the whole aggravation of fixing their mistake. It is not fair nor is it right that this is how they conduct their business. Thank you for your payment. Below you will see the email sent to me. Due date of XX/XX/XXXX2018 paid on the XX/XX/XXXX. I removed account information for privacy reasons. Their should not have been any other payment due on the account or any more money take from my account. 

This email is to confirm your payment submitted on XX/XX/2018 for your Preferred Credit account. 

Confirmation Number : XXXX Payment Amount : {$42.00} Scheduled Payment Date : XX/XX/2018 Amount Due : {$42.00} Payment Due Date : XXXX-2018 Account Nickname : XXXXXXXX Routing Transit Number : XXXX Account Number : XXXX Account Type : Checking Account Category : Consumer If you have questions about this payment or need assistance, please view the payment online at http : //www.preferredcredit.com, or call Customer Service at ( XXXX ) XXXX. 

Thank you for using the Preferred Credit electronic payment system. 

( A friendly voice when you need it - easy, self-help options when you don't. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made a purchase for an ad on XXXX. The company unexpectedly did not publish my ad with my phone number and instead published their own phone number where they intercepted calls. 

I asked the company the next day to change the number listed to my direct number or cancel the ad and issue a refund. The company refused. 

I contact my Visa Signature issuing bank and filed a dispute. Supervisor XXXX at Bank of America 's disputes department informed me that since I was unable to provide a contract that they were denying the claim and would not proceed with contacting the merchants bank or the merchant 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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.

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 2018-08-31 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Today ( XX/XX/2018 ) I received a letter from Chase regarding my XXXX credit card account. The letter said, " After careful consideration, we closed your credit card account on XX/XX/2018, because our affiliate is ending their banking relationship with you. You may receive additional account closing notifications if you have other impacted accounts under a different name or address. '' I do not have any bank accounts, mortgage, etc. with Chase and no other banking relationship with any other bank has ended. I have an excellent credit score and have always paid my bill on time. Every other bank has never had a problem with my accounts and all are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Have requested payoff amount twice as well as detailing billing history since the date of mrtgage through XXXX and have not received anything. Paperwork sent does not detail what any fees are for. I want a detailed billing record with description of what fees were for from this company.

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I visited the Bank of America branch on XXXX XXXX XXXX on XX/XX/XXXX around XXXX. I asked an associate, believe her name was XXXX based on the survey I received after my visit, to increase my ATM withdrawl limit. She did that. I withdrew money ( {$850.00} ) and left. 

Later that day I get an email ( attached ) form Bank of America that welcomed me to their Preferred Rewards program. I never signed up for this program or was even told about it during this visit. 

I called up the central BOA customer service number after getting this email and they confirmed the associate I spoke with entered me into this program. 

I actually was asked earlier in the month by a different BOA associate at a different location if I wanted to enter the program but I declined because of balance minimum and potential fees for being below the minimum - I knew I would be below the minimum shortly. 

The BOA customer service rep took me off the program and supposedly started a process to alert management. But was not able to provide any color as to what happens from here. 

If this happened to me it can be happening to other Bank of America customers. This should be investigating and BOA should be stopped.

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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2018, I called Sears for repair on the windows that I had purchased with a lifetime warranty. A technician came out to assess the repair needed o the windows, at that time I paid {$100.00} for their first house call and then later in XX/XX/2018 they e-mailed me to pay an additional {$150.00} to order the repair parts for the windows. In XX/XX/2018, a technician came out again, he didn't have the part to fix the windows and that he would be back, now the end of XX/XX/2018 and he has not returned. I have called several times to include today XX/XX/2018. I was not hold and then transferred to another customer service clerk, which never answered. I can not open my window since XX/XX/2018. Can someone please contact me to get this issue resolved? I m an XXXX yr old woman and {$250.00} with no repair or results.

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 2018-08-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As of XX/XX/2018, my fiancs and I have been harassed at our home by people claiming to own our home or XXXX XXXX XXXX Owns the home. We have filed a fraud alert or my account a few months ago. Since then we have had our phone hacked with random people pretending to be an agent from our various accounts and Spoofing. Like XXXX, XXXX, XXXX XXXX  Cards, Light bill, Water Bill, XXXX and more. Hackers on our phone line asking us for our full social Security numbers or personal unrelated information. I called my house the other day and some strange man answered the phone as well as other hackers. Now my three credit reports have been compromised. There have been several changes to my date of birth, address from home to apartment or reporting accounts that are not mines that are delinquent account. My name is XXXX XXXX XXXX and other names have been reported like XXXX XXXX XXXX, XXXX XXXX XXXX, or just plain XXXX XXXX. Im also not receiving my mail, and someone has changed my address and rerouted the mail. XXXX   has removed XXXX XXXX XXXX as a fraud account. However Experian has XXXX  XXXX XXXX on my credit report still after multiple disputes made to their fraud department. 

On XX/XX/2018 I noticed that Experian has deleted my Social security from my credit report. I would like to have someone investigate because Im afraid my identity is being stolen and lose my home due to Fraud. I have some police reports as well. This harassment has happened thru the whole month of XX/XX/2018. These incidences include several other 's involved as well. 

Thank you 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 non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX 's is not allocating payments as requested and instead is applying them so they can collect interest. A payment of {$120.00} was made in XX/XX/XXXX and two phone requests were made to apply to promo balance, they didn't. My daughter wrote to the XXXX and they still didn't help. They just keep saying " that's the rules '' but I was told that payments can be allocated as requested if I call. I called twice. 

For XX/XX/XXXX, I made my daughter pay all of the balance because I am tired of calling XXXX XXXX. I thought if I pay the balance the rest has to pay the promo. Instead they charged interest. Interest on what? The balance is paid! This is not the first time this problem happens. I complained about this same problem to XXXX and CFPB in XX/XX/XXXX. XXXX 's continues to be horrible. This is why I don't shop there anymore and hopefully my daughter will stop too.

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
This number has called me a total of 16 times ranging from XX/XX/2018 to today ( XX/XX/2018 ) and will not stop. I only picked up once to confirm it wasn't someone I knew and I haven't picked up since. They claim I am someone I am not and that I owe them $ 200+ dollars. None of this is true. I attempted to block their number but I still received notifications saying " blocked call '' and it fills up my call log. I tried to fix the issue with the " company '' but they never accept calls. It also seems that they call around the same time everyday, twice, but I can not accept those calls as I am in school. Looking at my call log, I am realizing that they call at the exact same time every day at XXXX, XXXX, or XXXX XXXX. Please help me in stopping these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTE : This is NOT a duplicate complaint. Previous complaint returned with " unauthorized third party '' which does not exist in this complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On the credit report from EXPERIAN, there is a " collection '' record from XXXX XXXX XXXX. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XXXX, XXXX. 
2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3.  On XX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX with proof of check image attached. 
4. The credit report is incorrectly showing " Failed to Pay '' on XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX XXXX in XXXX 5. A complaint was already submitted to XXXX XXXX XXXX and the company responded that it has requested EXPERIAN to remove this collection record 6. An online dispute was submitted to EXPERIAN to correct this. However, EXPERIAN did not make the proper correction and still shows this incorrect collection record and " FAILED TO PAY '' in current credit report

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 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
DITECH is committing mortgage fraud. DITECH is printing two invoices, from my account, in a single 30 day period with erroneous data. One invoice shows my payment on time and the second one does not. They use the second invoice to show the credit bureaus I did not make a payment, when in fact I have made the payment on time and in whole. DITECH is causing me harm and others like me. I want DITECH to provide to the CFPB what month I was late with invoices and bank statements, and I will show the bank statement and DITECH invoice that shows every single payment on time for the past 12+ years. Due to the fact, I have never missed a payment nor have I never not sent the whole amount as per the mortgage contract. DITECH is attempting to seize my property which has a large amount of equity and remove me from my home of 12+ years. DITECH 's reputation proceeds them as a crooked and fraudulent mortgage company. They are no better then countrywide, green tree and other crooked mortgage providers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The name XXXX XXXX was added to my Equifax credit report, I can only submit a dispute online which will not be accepted because the security questions now have nothing to do with me so i can not answer them accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We are trying to sell our current home and purchase a new one. Mr. Copper the loan company on the house we own now had told us when we got into a modification that they would adjust a lot of the fees which are over eighty thousand dollars on a XXXX XXXX XXXX XXXX dollar loan. We have asked them to explain all the fees and they refuse to do so just saying they are correct and there is nothing that we can do. We have been mislead and lied to for years throughout the process. The original loan was with XXXX XXXX XXXX and it was a terrible interest only ARM that we tried to get out of and the only way to do so was to default. We did that and XXXX added a bunch of fees and then went out of business for criminal activity. The loan was sold to Nationstar whom added XXXX XXXX more dollars to the loan during the modification and said if we did not agree to the fees that we would loss the house. We have an XXXX XXXX son and we have no choice and signed the modification. XXXX XXXX XXXX dollars was set aside and not bearing interest. They told us that they would work with us to reduce that because that was all fees. That never happened. My loan of XXXX dollars is know XXXX and I have not borrowed any more money on the house this is all fees that were added to my loan and Mr. Copper refuses to help us in anyway. The fees accumulated in a very short time. We have tried everything to work with Mr Copper, Nationstar and XXXX did everything they told us to do during the modification and they just refuse to explain anything. We hope you can help us get somewhere and headed in the right direction. We only want to be treated fairly. Thank you for your help.

Company response to consumer: Closed with explanation