vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.

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 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Avant Credit Corporation
State: IL

Complaint narrative:
On XXXX XXXX, 2016 a loan was taken out in my name with XXXX XXXX and on XXXX XXXX, 2016 another loan with Avant was opened in my name that I did not open and did not authorize anyone to open either of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
For about 50 years, I had a credit card with Macy 's. For the past 20 years, at least, I rarely used it. Occasionally, there would be a discount available on a purchase with the use of the card, and I would use it then. Since I used it so rarely, I usually had to update the account with the cashier at the time of purchase. Each time, I continued to have the same card, same number, and same name on it. In XX/XX/2016 I made a purchase, using my Macy 's card, was told I had to update it, and did. This update was a bit more complicated, and I was issued a new card with a new number and in a variation of my name - from XXXX ( husband 's name ) to my name. I received the bill for that purchase, which was due in mid XXXX and paid it on time. 
In XXXX I made another purchase at Macy 's in the amount of {$48.00} on my credit card and did n't receive a XXXX statement. I did n't realize that I did n't receive a statement because I was unused to looking for Macy 's bills. I will mention here that for at least 40 years I have used my other credit cards extensively each month and pay them on time and in full. Besides being old ( XXXX ) I 'm old fashioned that way! 
In late XXXX I received a phone call from Macy 's saying that my XXXX bill had n't been paid. I explained that I had n't received a bill and was told that I owed {$75.00}. I was surprised and believed that if I could speak with a superior, I could explain the error. After asking repeatedly for someone who could help me rather than someone who was trained to parrot over and over, " That 's our policy, '' I said that when I received a bill, I would pay it since I did n't know the exact amount of my purchase, but that I would n't pay a fee. 
In XXXX I received a Macy 's bill for {$75.00} - my purchase of {$48.00} plus a fee of {$29.00}. I immediately paid the {$48.00} of my purchase. Shortly afterward, before the next billing period, I received a robocall from Macy 's with instructions to call a certain number and give them a number to access an " important message about my account. '' I naively believed that the message would be that everything was settled so I followed the directions, was on hold for 15 minutes and then disconnected. I never spoke to a human being. Since then, I have received two more statements - XXXX and XXXX - and my bill is now up to {$100.00}. Macy 's robocalls me at least once, sometimes twice a day. I 've ignored the calls.

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 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage. 
M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}. 
I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone. 
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. 
Please see the attached affidavit pertaining to the ongoing report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: AZ

Complaint narrative:
I do not owe this company any money. In fact they owe me money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We are in the process of refinancing our home with Freedom Mortgage who is also our current mortgage servicer. The underwriter is treating our loan as if we do not currently have a loan with the company and as though we are behind on our loan or have ever been. Our appraisal came back at XXXX % LTV which would not allow for us to have the PMI removed. I requested to have an updated loan estimate to include the PMI from the processor as well as the loan officer and I did not receive this information. I would like this information to be able to make an educated decision on my refinance options to know if it would be worth it. This has been the worst refinance experience ever. If I had a choice of a new servicer then I would certainly take it.

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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Dynamic Recovery Solutions, LLC
State: MN

Complaint narrative:
I paid off a XXXX XXXX loan in 2010. I have all the paper work showing it has been paid off. However, every year I have a different company contact me about this debt. I have continued to forward the paper work ( including : bank statements, letters and account numbers, etc. ) all showing it has been paid. How do I get these companies to quit contacting me, when I have already settled the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers.

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 2015-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I started a streamline refi with Freedom mortgage on XXXX XXXX it is still not done they have done nothing but string me along asking for everything under the sum

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 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.

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