vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My mortgage has been with Chase for 15 years. Ive been paying my own real estate taxes for approximately 8 years. I do not escrow my real estate taxes. I do escrow for home owners insurance, about {$98.00} per month. 
I have never missed or been late with a mortgage payment or a real estate tax payment. I pay my mortgage through direct withdrawal from my checking account. My credit history is stellar. 
I received an email from Chase on XX/XX/XXXX stating that Chase had performed an escrow review and that my monthly payment would be increasing from {$1600.00} to {$2700.00} per month on XX/XX/XXXX. I logged into my account and found Chase had paid my real estate taxes, without notifying me, for two quarters in advance and was charging me for that paymentplus estimating my taxes for the rest of the year. I called Chase and spoke to a rep who said Chase received a notice from the XXXX of XXXX that said I was delinquent. When I asked for a copy of the notice, she said it was public record. I uploaded three years of proof of tax payments, cancelled checks, to the Chase website. I again asked for a copy of anything Chase used to decide I was delinquent on my taxes. 
I went to the XXXX XXXX Treasurer 's office on Monday, XX/XX/XXXX. The clerk told me that this issue was happening to a lot of residents. She gave me a copy of my payments showing that my account is overpaid. I uploaded that to the Chase site also and again asked for their process of declaring me delinquent on my real estate taxes. Ive been told that my request is being escalated. 
I think that this is a money grab by Chase hoping that I wouldnt notice until the payment came out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
We recently moved into a new house and as part of the mortgage process I subscribed to XXXX regarding my credit rating. Nearly ten years ago I became quite ill and needless to say my credit report has reflected the unsavory chain of events.

I was able to get a mortgage but through the process, the XXXX report shows six ( 6 ) delinquent accounts with the XXXX Hospital totaling {$1300.00}. Although I have no recollection of receiving these bills, I must request a debt validation and verification letter confirming details of the debt. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax listed a former address that hadnt been my address for four years as my current address. They also listed my current address as a former address. When I filed a report with Equifax to correct this bad information, the only options I was given were that 1. I have never lived at this address ; 2. Someone with a similar name lives at this address ; or 3. I am the victim of identity theft. NONE of these options are applicable for my situation. I was forced to enter inaccurate information in order to fix incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I am making a complaint against the three Consumer Credit Reporting Companies XXXX, XXXX, TransUnion & FICO for credit reporting description and for reporting my credit report low because I am a XXXX XXXX XXXX  Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and Credit XXXX against 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 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, and Financial Recovery Services , INC . 

I received your letter at my address dated on XX/XX/2022.

However,

I have two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on the year of XXXX XXXXinside this year, i was awarded a everyday, credit card from XXXX  ny, my vet spouse XXXX XXXX had given some help at my application process /i asked him about the help line from XXXX XXXX XXXX ny /when the card came in the mail i was thinking tthat the services must have worked /and then the next problem was that i didnot want the card to be missing, so then i took the card to the sales car place and ask for him to hold it for me /i was watching the XXXX  do the same kind of dealings inside their blocks, because their peopiles holds thier cards when they ask them too., the car place is located at the right side downward from the XXXX XXXX resturant /from there to your right side downward towards the right side highway/at the end then turn left and you will see a small car sells place i gave to one of the employees to hold for me/i think the card can be reproccesed again or another type of card for 12 years of money owings to my name XXXX XXXX XXXX /my adress is XXXX XXXX XXXX XXXX  ny, zipcode 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 2022-03-06 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Name of the company : COMENITY  Name of the credit card : My XXXX 's XXXX My XXXX bill was XXXX due on XX/XX/XXXX. 
On XX/XX/XXXX I paid XXXX and XXXX totaling XXXX. I made a math error and I was XXXX short of paying the bill in full. Since XXXX I have paid my bill in full with this card. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, paid the bill in full, XXXX 

On XX/XX/XXXX COMENITY  charged me XXXX FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, I paid the {$7000.00} bill {$16.00} more than the amount due. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

On XX/XX/XXXX at XXXX PM, I called and spoke with XXXX in COMENITY customer service. She told me the reason I paid so much in interest was because I was charged interest on the entire balance in XXXX ( because I did not pay it in full ) not the balance owed. I explained to her that I can not be charged interest on money I have PAID to COMENITY. I believed it was an illegal practice. I had only seen the one interest charge for XXXX at the time XXXX I asked if she felt it was appropriate to pay three times the amount of the balance in interest. She disagreed and stated that is the policy. I closed my account. 
I found this so incredulous I called COMENITY customer service again and escalated this issue and I was transferred to XXXX XXXX. XXXX confirmed what XXXX said and added the detail that if a balanced is not paid in full, COMENITY will continue to charge interest on that XXXX total balance until the bill is paid in full for TWO full months -- even though bills in the meantime are being paid in full! XXXX explained to me that all of this is in the fine print of the credit card account paperwork I received. I asked XXXX if he had ever read that paperwork. I did not receive a response. At the time I spoke to XXXX and XXXX, I thought I had only paid XXXX} in interest. I also asked XXXX if he felt XXXX  and was appropriate for a XXXX  balance back in XXXX when the following two months were paid in full and one case more than full. Again no response. 

Subsequently I went to the COMENITY site and learned I paid XXXX since XXXX in interest for a XXXX balance on a XXXX bill when the next two months ' bill were paid in full. NEITHER the customer service representative, XXXX or XXXX informed me of this discrepancy. So in effect, I paid XXXX interest for 30 days on XXXX  That is usury. 

I am asking the CFPB is this practice legal -- charging people interested on amounts PAID to a company? Charging interest when balances are PAID IN FULL for two months after one month of a minor math error of XXXX of the balance? 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX, XXXX Freedom Mortgage raised our payment without notifying us. I addressed this in a XX/XX/XXXX letter. In retaliation to my communique, they performed an additional escrow analysis without the input from the County Appraisal district and determined my taxes are increasing 71 % and therefore my payment will increase 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 2022-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
RoundPoint Mortgage has shared my location information to a third party without my consent. Additionally, RoundPoint has received multiple cease and desist from the consumer and debt validation request with no response. The third party is now attempting to collect the alleged debt and threatening the consumer with foreclosure.

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 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX, XXXX, I contacted USAA to report a series of charges made to my account beginning XXXX that I was unaware of. I was informed that a dispute would be put in place which could take up to 30days to resolve, but in the meantime the funds would be returned to my account. Since then, I have been following up with USAA given the fact that the money was not reapplied only to be told to allow " 48-72 hours, '' " someone would be following up with me, '' and as of XXXX. XXXX, " the dispute was not filed properly and that the completion of an unsent form is required. '' I was advised that this form will be sent to me via the site, which I have explained multiple times do not reflect the processing of my dispute nor shows the availability of this form. Today, XXXX, I have called once again to check the status of this dispute to only be returned to queue, placed on silent holds, and transferred without being informed prior. When asked to speak to a supervisor, as I have in the past, I was told one was unavailable. I have been a customer of USAA for over 10years, and during that time they have disappointed me in MANY ways, however, in those cases the disappointment was instant and not drawn out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: GA

Complaint narrative:
Hi, I am making a complaint against the three Consumer Credit Reporting Companies Equifax, XXXX, XXXX XXXX XXXX for credit reporting description and for reporting my credit report low because I am a XXXX XXXX American Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and XXXX XXXX against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts

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 2022-03-06 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts

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 2022-03-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-03-06 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:
In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-03-06 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: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law are debt collectors attempting to collect 3 ( three ) unverified debts of {$490.00}, {$1300.00}, and {$1900.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law flagged my credit files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. ( See attachments ) I have not received any good or services from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law. I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX and associates XXXX Law Offices MBA, or MBA Law. 
I have not provided any releases of my medical records to XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law and I have no idea how XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law received my private information. 
I have not received any documentation from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law to allow them to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. 
According to XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Laws website ( https : //www.law-mba.com/ ) in the blue section labeled XXXX XXXX letters I was not honorably granted the opportunity, to dispute their debt via mail instead, my credit file was flagged for collection. This proves XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law do not honor their alleged clients wishes as it is displayed on their website. ( See attachments ) As per the Better Business Bureau : XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law do not have my permission to contact me by phone. I accept mail only. My address has been provided on their notice via XXXX Mail XXXX. : EJ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief