vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX  XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX,  XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. 
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

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 2017-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3  1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. 
I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 
1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 
2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 
3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 
4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 
5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. 

The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX  Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: IL

Complaint narrative:
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has sent a refusal to investigate my credit file claiming a Suspicious Request, no less than 3 times, which could be no more than a typo. XXXX and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one Additionally, Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$130.00} XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX/XXXX/XXXX {$940.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BKPT CHXXXX

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 2017-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
ONGOING 2 YEARS LATEST XXXX/XXXX/XXXX. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX  automatically change it to XXXX Michigan XXXX XXXX XXXX, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other XXXX *City XXXX XXXX. 
IN - Indiana XXXX XXXX XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX https : XXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and Experian automatically change it to XXXX XXXX XXXXThe Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] Experian Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames Experian and Experian does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: KY

Complaint narrative:
I was a dummy and paid for this service for 12 months ( XXXX ) at $ XXXX month. This company promised to " fix my credit ''. I complained about the process several times and they assured me that " most clients start to see changes after 90 days '', and then " most clients start to see changes after 6 months '', and finally " most clients start to see changes after 1 year ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank issued a fraudulent credit card in my name even though I had a XXXX fraud alert on my account. Chase Bank did not contact me using the phone number on the XXXX fraud alert. The fraudulent credit card was used to extract more than {$8000.00} of the account. 

I tried to resolve this, however Chase Bank is adamant that they do not need call the phone number on the XXXX fraud alert. I have had to spend a great deal of time correcting this problem ( including police report, letters, several phone calls XXXX. All of this could have been avoided. Chase bank does not seem to think XXXX Alerts are important. What is the point of having a fraud alert if the Chase bank does not take it seriously. 

The website for the Consumer Financial Protection Bureau ( CFPB ) with the law below. It states " If you provide a telephone number, the lender must call you ''. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX wrote and mailed a dispute letter to Experian on XXXX XXXX, XXXX XXXX. The response with a letter on XXXX XXXX, XXXX stating that the account in question was verified by creditor but did not provide no documentation or evidence. 
XXXX. I called them on XXXX occasions XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX to delete this account from my credit report and all times were denied. My next step is to start litigation against XXXX, XXXX and Experian.

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 2017-10-04 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: VA

Complaint narrative:
Equifax was negligible in protecting my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.

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 2017-10-04 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: ERC
State: TX

Complaint narrative:
Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Stellar Recovery, Inc.
State: TX

Complaint narrative:
Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation