vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
DOVENMUEHLE MORTGAGE HAS DRAINED MY ESCROW ACCOUNT BY {$6400.00} AND REFUSES TO GIVE ME ANY PROOF OF THE PAYOUTS. I HAVE SPENT OVER 30 HOURS [ 80 % OF TIME ON HOLD ] TRYING TO GET THEM TO EXPLAIN THEIR PAYMENTS MADE FROM MY ESCROW ACCOUNT IN THE AMOUNTS OF {$14000.00}. THIS EVENT IN XXXX OF 2021 RESULTED IN THEM DOUBLING MY MONTHLY PAYMENT. WHEN THEY REFUSED TO EXPLAIN, I INFORMED THEM THAT I WOULD HANDLE MY ESCROW GOING FORWARD. I HAVE NEVER MISSED A MONTHLY PAYMENT OF PRINCIPAL AND INTEREST AND PAID THE ESCROW UNTIL THEY TOOK MY ESCROW AND WOULD NOT GIVE ME ANY PROOF OF WHY THEY PAID 3 TIMES THE AMOUNT OF PROPERTY TAXES ON MY PROPERTY. I HAVE ANALYZED MY ESCROW WITH THE ACTUAL PAYMENTS RECEIVED BY THE TAXING AUTHORITIES AND THEY DO NOT COMPARE. I HAVE ATTACHED XXXX PDF FILES SHOWING THE ISSUES I AM HAVING WITH THEM. ISSUE # 1 IS THE PRINCIPAL BALANCE. I HAVE NEVER MISSED OR WAS LATE ON ANY PAYMENTS ON MY ACCOUNT. SEE PDF SHOWING HOW THE PRINCIPAL BALANCE THEY SHOW IS OFF BY {$2600.00}. ISSUE # 2 IS MY ESCROW ACCOUNT WHICH I ANALYZED AND FOUND THAT THEY PAID OUT {$6400.00} MORE THAN THE CITY AND COUNTY TAX ASSESSOR SHOWS. I HAVE THAT ANALYSIS IN THE SECOND PDF. 
FINALLY THE LAST PDF IS THE SUMMARY OF TELEPHONE CALLS AND MY REQUEST TO HAVE THE ESCROW ELIMINATED DUE TO CAUSE SINCE DOVENMUHLE REFUSED TO PROVIDE ME WITH PROOF OF WHAT THEY PAID AND WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I spent several hours in the emergency room at XXXX XXXX located in XXXX, XXXX with a XXXX XXXX issue. My bill was approximately {$6000.00} and my insurance deductible was {$1500.00}. I made several payments over the course of about XXXX year utilizing my XXXX XXXX Account. Like so many people during the last XXXX years, I got distracted with everything going on and neglected to pay the balance remaining of {$300.00} ( copy attached ) which has since been paid off. Over the last several days I have received numerous credit report alerts about derogatory information on my credit report, due to this balance. I have worked very hard to build a strong credit file, my score in early XXXX was XXXX and now has dropped to XXXX. I find it very harsh and disappointing to have a medical collection account for such a small amount have such a negative impact on my credit score.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over XXXX XXXX XXXX. According to the XXXX, accounts older than XXXX years must be deleted from credit reports. Since the original accounts are older than XXXX years, Experian must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to XXXX law.

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 2022-03-21 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-21 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Recurring payments were set-up through XXXX to XXXX XXXX party recipient through Chase Banks ' online banking system. The recipients account was at First Bank. For over a year there was no issue in XXXX with recurring transactions. Then funds were sent to a different recipient early in XXXX. Three recurring transactions were sent to another account in XXXX, XXXX and XXXX before we caught the error. It was perplexing as we made no change to the account recipient. 

After investigation we discovered First Bank has shut off all online account activity for the recipient due to online inactivity - even the XXXX account. However, what is puzzling, is that funds should have bounced back to our account when no XXXX account is active under such email or phone. Instead funds were redirected to another account ( information was withheld due to privacy ) - we have no clue who received the funds. 

After months of speaking with First Bank, Chase Bank, and XXXX, we were offered no resolution and each company points the finger at the other. We have filed a police report and and consumer complaint with the Federal Reserves. We have lost {$1000.00} 's because of a glitch or intentional Fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I scheduled a payment for my XXXX/XXXX  account to pay it on XX/XX/2022. On XX/XX/2022, I edited the payment and lowered it to {$400.00} as I realized that I would come up a little short between then and pay day, the online system allowed me to proceed and did not give me any errors or warninngs. 

On the XXXX, they put through BOTH PAYMENTS, even though one actually paid the account in full, so now my account is seriously over drawn. When I called XXXX about this they said they would have to 'mail me a check and it would take up to 15 days ''. 

So, now I have a seriously over drawn checking account, no money til pay day on XX/XX/XXXX and the casual disregard for the problems they have caused is the most infuriating thing. 

Thank you in advance for any assistance you can provide. 

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Recently received a hard inquiry on XX/XX/2022 at approximately XXXX California time regarding a credit application which I did not submit. I received a security code which I have placed on all inquiries and immediately went to review on my XXXX XXXX account. Possible fraud on my account and information. Tried contacting the XXXX XXXX  directly but could not get through to speak to anyone live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

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 2022-03-21 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: GA

Complaint narrative:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

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 2022-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: MD

Complaint narrative:
I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under XXXX XXXX XXXX with both XXXX and Equifax. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but Equifax did not. Equifax said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-21 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: FL

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-21 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 reached out to Transunion/XXXX to remove the XXXX  attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

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 2022-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: WV

Complaint narrative:
I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX  and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX  have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.

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 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against COMENITYCAPITALBANK/XXXX for committing identity theft. I have never given COMENITYCAPITALBANKXXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Persians to 15 USC 1692c ( c ). I am demanding a feast and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COMMENITYCAPITALBANK/XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COMMENITYCAPITALBANK/ XXXX continues its collection efforts, I will file for litigation for actual damages caused and COMMENIGYCAPITALBANKXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: Northwest Collectors Inc.
State: IL

Complaint narrative:
My insurance was billed by XXXX XXXX directly and was paid for services done in the facility. I received a surprise bill from XXXX XXXX XXXX, XXXX for the same lab services I paid to the hospital. I sent many letters to contact the hospital as all bills were paid directly to the hospital where services were provided. They ignored my letters, and I received a collection notice from Northwest Collectors Inc . I sent them a letter and called to explain and the man on the phone was very arogant and when I was trying to explain that the bill is paid, he threatened me to take action and damage my credit because he is not gon na discuss it with me and he threatened that he will submit that to the collection and my credit will be hurt. as the Owner of a small business, I can not allow to have a poor credit score. I was in fear and paid the amount that was already paid by my insurance, but I did it to avoid collection on my credit record. I paid them the amount i did not own! They treated me in an aggressive way and did not have any option to explain that the amount was paid, and the creditor must contact the facility where services are provided because I was billed by the hospital. I disputed that charge with my credit card but still i am afraid they will ruin my credit.

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 2022-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OZK
State: GA

Complaint narrative:
I have sent many complaints to the XXXX, Federal Reserve, and the CFPB. Today I received a call in an attempt to criminally intimidate me and coerce me into silence by the banks " security ''. This is because I used foul language and asserted my right of the first amendment to tell the criminal bank that because they stole my money they would be paying me back. These are the tactics of a rogue thug bank against freedom of speech. These are the tactics of a bank that knows they wronged me, knows they discriminated against me, knows they defrauded me to scare me... 

Please inform Bank OZK they just lost their privledge to contact me. I am a private citizen, they are not, they ignored my call as their customer. They ignored my complaints .... Now I shall do the same, if they continue to contact me, any of their agents, over the phone or email, for any reason, I will consider this criminal harassment... and frankly if this medium of complaint allowed it I would share my true and very vulgar opinion of these low lives. All further contact shall either be thru the medium of regulatory agencies or not at all. 

Here is a transcript of the message by a jackbooted thug, notice how it says there are " some issues '' with my exercising of free speech. Notice how he says he is security if I have done something wrong, then at the end the ask " I think i've got a resolution '' AKA silence, they think I will bend to their will. They are illegally attempting to intimidate and coerce me, absolutely nothing I said has " issues ''. 

If they have a problem I suggest they call law enforcement and relay my thoughts to them, I would love for them to escalate it to that level so I can sue the XXXX XXXXXXXX out of them. 

" Yeah this message is for XXXX my name is XXXX what all I'm with the bank OCK corporate security department and I saw her you found a couple complain system you got some issues with the bank and I'll talk to you about this for a minute and I think I've got a resolution for you I think we can we can get this resolved um so I really wish you would appreciate you reaching out to me at XXXX so I can talk to you for minute hopefully we get this thing resolved today so I look forward to hearing from you thank you '' I will reiterate what I said, here in the open, for all to see, I will metaphorically find a way to twist bank OZK 's greedy little fingers. THEY OWE ME MONEY. THEY WILL PAY ME WHAT THEY OWE! YOU OWE ME, YOU PAY ME. 

CALL ME AGAIN I FORWARD IT TO LAW ENFORCEMENT AND FIND SOMEONE TO PROSECUTE BANK OZK FOR THEIR REPEATED HARASSING, DISCRIMINATORY, AND ILLEGAL AND UNACCEPTABLE BEHAVOIR. 


Bank OZK will not contact me again or I will consider this criminal harassment, you have lost your right to take the easy way out.

Company response to consumer: Closed with explanation