vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
In XXXX, my mortgage company ( or loan servicer, I am still confused about who is responsible ) offered to put my husband and I on the XXXX mortgage forbearance program. They did not require any application or explanation of hardship, and told me at the time that my payments would be deferred to the end of my loan. 

In XXXX of XXXX, we were removed from this program, apparently because they were unable to contact us, although I do not recall ever receiving a call regarding the matter. I received a call in XXXX of XXXX from collections, letting me know I owed {$15000.00} in back payments. Since then, I have not been able to make regular payments on my account, which has negatively impacted my XXXX XXXX and put me at risk of foreclosure, despite being able to afford/resume my payments. I am now in a XXXX process with the XXXX XXXX department with no indication of when this issue will be resolved My complaints are as follows : XXXX. I was not provided adequate documentation or explanation of what would be required to have my payments deferred, nor was a told that there was no guarantee that I would qualify for deferment. When the company enrolled me in the forbearance program, I was assured my payments would be deferred and was not told anything about the complicated loss mitigation process I now find myself in. I am now forced to share personal financial documents ( bank statements, tax returns, pay stubs ) to justify a " hardship '' that no longer exists. The process has been humiliating and I'm now faced with the threat of losing my home, a situation I was NEVER told was a risk of this forbearance program. 
XXXX. I have not been offered any method to resume my current payments while my loss mitigation application is in review. This has negatively impacted my credit through no fault of my own. 
XXXX. I am unable to get through to anyone in the underwriting department to discuss my application. They sent me a loss mitigation packet and told me to just fill it out and send it back, without explaining all the documents I needed to submit ( or how to submit them ). I was never told about the online portal ( which I found on my own ). I was told I would receive a call from the underwriting department and have yet to hear from them XXXX weeks after my request. My emails to the XXXX XXXX department have gone unanswered. 
XXXX. I was told that I have an assigned a " single point of contact '' but the number given is the general XXXX number with no option to enter an extension. I have been unable to contact this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was notified by I.C. Systems, Inc., a debt collections company, on XX/XX/2022 via mail regarding an alleged debt. I have reason to believe I do not owe this debt because it the result of an unauthorized balanced billing, pursuant to Florida Law Section 559.72 ( 9 ). I contest that this debt is legally without merit and name XXXX XXXX XXXX XXXX and I.C. Systems, Inc. in this complaint. 

XXXX XXXX XXXX XXXX has fraudulently reported the provider non billable amount to this collections agency, disregarding the negotiated fees between the Preferred Provider and the PPO. According to documentation provided by XXXX XXXX XXXX XXXX, who was in network with XXXX XXXX XXXX XXXX during the date of service and used their pay schedule, the patient responsibility for services rendered is {$2600.00} and the provider non billable amount is {$1000.00}. The patient has already satisfied their patient responsibility of {$2600.00}, having paid a total of {$2700.00} to XXXX XXXX XXXX XXXX, as reflected in their previous contractual payment plan. Please reference the supporting documentation that reflects the information stated above. As a result, XXXX XXXX XXXX XXXX has fraudulently reported this debt and I.C. Systems, Inc. is attempting to collect a debt that is not my responsibility. 

I have attempted multiple times to resolve this with the provider, however they are falsely claiming they are out of network with my insurance agency and have threatened to send the 'unpaid balance ' to collections multiple times. XXXX XXXX XXXX has denied these claims as they did not receive sufficient information from the provider. Both the provider and myself have sent multiple appeals to XXXX XXXX XXXX, however, XXXX XXXX has informed the provider multiple times that they need new and additional information in order to process the claim. The provider failed to provide new information and I had to submit two separate claims to the XXXX XXXX on behalf of the provider. Ultimately, the insurance company did not process the claim and the provider sent the non-billable amount to debt collections. 

I fear that XXXX XXXX XXXX XXXX is taking advantage of patients and not acting in good faith when attempting to bill insurance and process claims in a timely fashion and I.C. Systems, Inc. is complacent. Instead, they are using balance billing and the threat of debt collections agencies to intimidate patients into paying what insurance does not. This is a scare tactic that is unethical and should be looked into further as it is a fraudulent procedure. 

Please see supporting documentation 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 explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX claimed that I owe {$120.00} to Ability Recovery Services XXXX claimed that I owed {$880.00} to XXXX XXXX XXXX. 

I contacted both trying to get information on these debts. Knowing I had government insurance around these times. Representative was very rude stating that they would continue to make my credit bad and actually hung up on me while asking questions.

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 2022-04-06 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: Velocity Portfolio Group
State: OH

Complaint narrative:
Recently a debt was added to my credit report, the original creditor was XXXX, but it has since been transferred to a debt collector, CKS Prime investments. However, XXXX, formerly known as XXXX is the company that's actually collecting on the account for CKS Prime Investments. 

I agreed to a settlement offer of {$500.00} and started making payments to XXXX as instructed, to date, I've paid {$160.00}. Upon checking my credit reports, the amount reported as due in collections is actually {$470.00}. I asked XXXX why there was a discrepancy, they advised I reach out to CKS Prime Investments. I've reached out to them XXXX, and left XXXX voicemails. They refuse to return my call. 

Moreover, XXXX has reached out to them on my behalf in XX/XX/XXXX, and XX/XX/XXXX. CKS Prime Investments has not returned their request either. If the amount to be collected is {$470.00} why is CKS Prime Investments reporting to XXXX that I have to pay more? They are obligated to report accurately. 

Because CKS Prime Investments are delaying communication, XXXX has halted my settlement offer until they get an precise answer. I want to get this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
I am disputing several hard inquiries on my credit reports that I did not authorize. I have tried to get them removed previously ( 2 are recent ) but they told me I had to go through the FTC. 
1. XXXX XXXX hard pull ; XXXX not mine 2. XXXX XXXX hard pull ; XXXX not mine 3. XXXX XXXX hard pull is accurate however it shows up as 2 inquiries and it should only be 1 ; XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Deposited {$2400.00} into Wells Fargo on XX/XX/2022. Wells Fargo put a hold on it even though there are weekly deposits from this same local company and local bank of {$1000.00} and will have multiple checks in various amounts as well. The check cleared the writing bank on Mon  XX/XX/2022. The hold was until Tue XX/XX/2022 when the check showed cleared. On Wed XX/XX/2022 Wells Fargo removed the funds charged insufficient funds put XXXX day hold on the check, no doubt hoping we had started using the funds and they can charge nsf fees. I called Wells Fargo and told them the check had cleared. I offered to get a banker from the other bank, XXXX XXXX XXXX XXXXXXXX XXXX on the phone to verify the check had cleared but Wells Fargo XXXX refused and said I would have to wait the full additional XXXX days. 

This is the XXXX time in a row Wells Fargo has done this with a check that was over the regular {$1000.00} weekly deposit. On XX/XX/2022 {$5000.00} was deposited and cleared the writing bank on XX/XX/2022. Wells Fargo put a hold on this deposit, they said because of the amount it would be a XXXX day hold. This was after initially crediting it as usual, so we did have nsf fees. When I look at my account now, Wells Fargo has cleaned it up. I had to get an XXXX cash deposit of {$3000.00} to cover my account on XX/XX/2022 because the above deposit was on hold, but that is not what my account shows now. Despite what my account shows, Wells Fargo had my over 5k to play the market and make money. It put me through the ringer. Regardless of the fact it credited back the nsf charges once the deposit was finally credited as it should have been done in the first place, on XX/XX/2022, who's to say they do that everytime for everyone they do this to.? And, even if they do, they did/ could send things back causing problems with vendors, my reputation, my credit reports. 

Wells Fargo gets its information from automatically and electronically from the XXXX XXXX just like every other bank. This is not a one off as it's happened to me XXXX. This time being worse than the first. The error being so blatantly false and automatic, and according to a XXXX untouchable and unfixable on their part. 

In most cases, people would be mad at the person or entity that wrote the check. At the very least, their efforts would be in contacting a XXXX department to find out why their check bounced. So, this is very sneaky. They were not counting on a self employed person who is in a company small enough that he would check and catch on to what they are doing and report them. And, by erasing everything, they make it hard to track later once you do.

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 2022-04-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am submitting this complaint against Equifax, there is no third party involved. 
Equifax is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant 15 usc 1681b I have contacted Equifax multiple times with written instructions to delete accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND EQUIFAX TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. EQUIFAX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply with my written instructions Pursuant 15 usc 1681b Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Ok on XX/XX/XXXX a deposit which showed pending for XXXX. It stayed pending for 3 days. In between those 3 days I have made withdraws with still clearing good staying under XXXX but I also admit after the fact made 5 more knowingly withdraws that caused overdraft of {$430.00} ( not including fees ). Monday rolls around and the bank is charging me 13 overdraft fees at {$35.00} each, on top of that I received an email from the bank of XX/XX/XXXX stating " we had a power outage which caused pending transactions to take longer than usual if you incured any fees because of this contact the bank immediately to reverse fees '' I call them and tell then my situation and the fact I made 5 withdraws knowingly I would overdraft but I will not pay for 13. They refuse to do so and yell at me on the phone with no resolution, I stay patient they would hang up the phone on my face and I would call back they would answer put me on hold for half hour only to comeback yell at me again and hang up the phone. I had to call them 5 times and they refuse to understand what I was trying to explain. It even shows on my statement as if that pending deposit was put in on the XXXX and all 7 withdraws I made with that money still kept my money in a positive balance. So they had issue with pending deposit yet refuse to admit it. I even got a call from a supervisor within the same day name XXXX who said I didn't know what I was talking about and when it was my turn to respond to her words she hangs up the phone. I have recording of all the conversations except the first 2 calls I made as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX says I owe them {$230.00} in XX/XX/2021 and its I C System that is the debt collector. I have never had XXXX services in my life and live in an area where its not even possible to have XXXX. This is the second time this has happened to me and the first time I disputed it and they removed it but a few months later they did it again.

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 2022-04-06 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: EQUIFAX, INC.
State: IA

Complaint narrative:
According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IA

Complaint narrative:
According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was speaking to a lady on the phone and we are talking about other matters long story short she opened an identity theft case in my name and every time I call Wells Fargo now they say they dont have any information about it probably because someone in the company doesnt like me I dont know but if you want to change that case number here it is XXXX The lady sent me a couple packets one of them was a statement which I will be talking about on my other complaints but for now this is about identity Saft so she sent me the other packet that was over 100 pages XXXX open up a credit card my name spent option {$10000.00} I want that back paid in full

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
Payoff of mortgage provided by bsi on XXXX I paid off the mortgage on XX/XX/2021 to avoid foreclosure. Was told by employee which is included in supporting document that the payoff was short by XXXX. Due to home going all the way into foreclosure. That this number was not included in the payoff. 



Why would I reinstate a loan that is being paid off! I am fine with paying the XXXX due to the home going into foreclosure to pay for your attorneys even though and because your company provided an internal document that showed XXXX. The document attached is not an internal document and it says XXXX Now you are telling me the loan payoff is over XXXX. How does that happen! This loan should have never been reinstated Please review documents from your employee and payoff provided by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Convergent Resources, Inc.
State: ID

Complaint narrative:
I had a contract issue with XXXX XXXX in XXXX with a sales person who wasnt truthful. concelled the service and XXXX sent the account to a collection company for a XXXX fee. We settled and paid the account. The collection company XXXX XXXX has marked the account as " Disputed by Consumer ''. They refuse to remove this and provide me a petter on their letterhead stating the account is not disputed by the consumer. I have tried numerous times to have this removed and they refuse. Im the consumer and I DO NOT DISPUTE. Their failure to remove this is holding up a mortgage loan causing me now to have a higher rate because of their delay.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hard Inquiries on my report and I have never done business with the companies or have an open account. I have attached the FTC ID theft 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