vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. 
Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. 
The bank is : XXXX XXXX. Credit card address : 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 2018-10-11 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: NY

Complaint narrative:
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXXXXXX Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/2018XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History

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 2018-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXX  Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due  Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Since XX/XX/XXXX when I received a copy of my credit report I noticed I have a XXXX account sent to collections for an account #, phone # & debt amount {$660.00} I never knew about or have had, I tried to contact XXXXS financial dept, fraud dept, etc. & keep getting transferred from one department to another & getting the run around on this matter. I have had my current account # & phone number since I first received my services with XXXX XXXX in XX/XX/XXXX nothing has ever changed/added to my account it has been the same since. I have all my bills since when I first got services with XXXX XXXX on the same account # & phone # not once did I receive a payment with that other account I never had any knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Sold our home on XX/XX/2018. Temporarily moved to XXXX and had a forwarding order for all mail. Assumed Ditech would mail our escrow refund check to our old address and it would be forwarded by USPS. They somehow updated their records with a new address for us ( NOT AT OUR REQUEST AND NOT A CORRECT ADDRESS ) and mailed the refund on XXXX to that incorrect address. 

Sent multiple emails through their secure message server - it sent me emails saying they received my email and are looking into it but no one ever responded or contacted me in any way. 

Called XX/XX/18 and spoke with XXXX who said she would request the check be reissued and sent to new address. Updated our address ( AT OUR REQUEST ) and stated it would take 7-10 days Called XX/XX/18 and spoke with XXXX. Said she could " see '' the request to issue check but it had not been issued. Stated the deadline was today for reissue. No action XX/XX/2018 called and spoke with XXXX who said it was not reissued yesterday ( their deadline not mine ) and that it " should '' go out this week XX/XX/18 called and spoke with XXXX - she states she can see the request but it has not been cut. 

XX/XX/18 called and spoke with Ms. XXXX - still not cut but again states it " should '' go out this week. It is Thursday already! 

Ditech Mortgage has had {$3300.00} of my money for over three months now and will NOT resolve this issue. This is a very simple transaction of an escrow refund check that WAS NOT CASHED and just needs to be reissued and mailed ....

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A complaint was filled about a Wells Fargo check number XXXX for {$980.00}. The check was clearly cashed out at a XXXX XXXX XXXX from an unknown person, this person is not associated with XXXX XXXX XXXX. The check maker ( XXXX XXXX ) has expressed to Wells Fargo that the check should have been cashed by XXXX XXXX XXXX. However, Wells Fargo told the check maker that XXXX XXXX XXXX needs to make a complaint. 
XXXX XXXX XXXX made a complaint to Consumer Financial Protection Bureau. And received a letter from Wells Fargo, stating that XXXX XXXX needs to file the complaint. 
In the XXXX XXXX XXXX  letter, Wells Fargo understands the difficulty, and that XXXX XXXX XXXX didnt receive the payment however can not act with the information received from a third party. To file a claim please have the maker of the check contact Wells Fargo. The maker of the check is XXXX XXXX. 
XXXX XXXX contacted Wells Fargo as instructed by the letter. Wells Fargo stated that they see the transaction was posted correctly. However, the transaction was incorrectly cashed out by someone other than XXXX XXXX XXXX. This issue was constantly being stalled because Wells Fargo is making both parties go around in circles. Time is going by and both sides need this issue resolved. 
Both parties have complained and have letters from Wells Fargo about this issue and was ignored. 
This complaint is now being filled by XXXX XXXX because Well Fargo see nothing wrong with the check being cashed out by an unknown person.The check should have been cash out by XXXX XXXX XXXX only, as stated on the check.The check instructions are on the attached check and was not followed by Wells Fargo. Wells Fargo needs to fix it. They even admitted in the letter to XXXX XXXX XXXX that the funds didn't go into XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
We were switched over to Shellpoint in XX/XX/2018. I had currently filled out a packet because we flooded here in XXXX, LA and got behind on the mortgage. They told me I was approved and if I made 3 payments of XXXX dollars, then they would add what I was behind on, to the end of my mortgage. I paid all 3 of them and now I get a certified letter saying Notice of Default and Intent to Accelerate. I googled this company and they have really bad reviews. They have been turned in to the XXXX multiple times. The amount owed is {$7800.00}. They did not keep their word! I cant talk to anyone when I call. No one answers half the time. I get no answers. I can't lose my house! I did exactly what they told me, and I'm still going to get my house taken away. Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I have a loan with Specialized Loan Servicing ( part of the XXXX XXXX ) I've sent in a written request to remove PMI a month ago and had no correspondence with them since. I am at 74 % and in reading the rules it seems like at 78 % it should automatically drop off. 

Seems like this is all rigged for the loan companies to continue to collect this PMI fee and frustrated at the lack of communication.

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 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I made a payment online and whoever enter the information at Select Portfolio Servicing enter the account number incorrectly ( I am at a loss to understand why the information had to be manually enter by the mortgage company ). The reversal was enter as an NSF.

I was called and gave the customer service agent my correct account number and she verified in multiple time. Again it was entered incorrectly when Select Portfolio Servicing attempted to collect the check. It was entered again as an NSF, I have talked to three customer service agents and was told it could not be changed.

I then called the SPS Consumer Ombudsman Service, and again was told it could not be changed as NSF mean many things to Select Portfolio Servicing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Continued complaint # XXXX ... .this is the third request for payoff instructions : on XX/XX/2018, the payoff amount is per CSR is {$20000.00} up fromXX/XX/2018 of {$20000.00}. Payoff address XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : XXXX. The company is known to debit customers accounts w/o proper authorization, this information will be forward to our personal accounts provided to Prestige Financial prior to paying loan in full. The lender will be expected to transfer title properly and immediately upon receiving payoff in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: AL

Complaint narrative:
XXXX XXXX amount Financed {$3800.00} for Total payments of $ XXXX.Date : XX/XX/2016. I have constantly requested a monthly statement after payment. I was not informed that I would not received monthly statements that will show my pay-off. Every time I ask for a pay-off amount I receive a different amount according to who answers the phone. One day I went in person and the customer service person gave me the correct amount.However, someone heard him and said no that is wrong. they argued about my pay-off amount. I personally believe XXXX XXXX will not send statements so they can defraud customers on their pay-off amounts. Also, customers should be reminded of their high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
XX/XX/2018- XXXX XXXX from Conserved Called my place of employment Prior to this date I have received calls from Conserve from Different phone number, most times when you answer the phone no one says anything and the call is disconnected. A company representative will call back, and not address who they are or the intent of the call, while pressing you to validate your personal information, example : asking for last 4 of social, confirming DOB.

I have asked to be taken of their call list, and requested someone to mail me a letter. Have yet to receive anything via mail from Conserve regarding any debt collection ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX investigation dept, and up to present nothing been done. I just want my credit profile back, please assist

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 2018-10-11 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: TX

Complaint narrative:
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR

Complaint narrative:
XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Inc.
State: OR

Complaint narrative:
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX

Company response to consumer: Closed with explanation