vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
ID Data International- {$390.00}, XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter and they usually are very hasty on the phone and not willing to cooperate. I also attempted to contact several times through letters as well to validate the debt. I also sent them a copy of my identity theft report, and still they refuse to resolve this matter. I was out of the country for a few years and when I returned I realized that my Identity had been stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.

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 2019-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have reached out to BOA and the three credit breaus because there are several missed payments showing on this credit card and I have never owned this credit card, so the data on the card shows that I have been delinquent and this was a card not authorized by me.

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 2019-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX I called Capital One to report suspicious activity on my account after I received a password-change notification. Capital One 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, Capital One has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, Capital One reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, Capital One reported a new account under my name even though I did not open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
On XX/XX/XXXX, i was embedded to the ER because of a serious condition and stayed their for 4 days and have over a week in bed to recover. And at that time I have medicate from NY  but went to an ER in NJ and even though my insurance should have paid my bills, i found out that i have a collection from a bill from one of the providers that worked with the hospital, and it went to collection and when i called my insurance explained what happened and asked them why they have not paid the provider, they said that the provider did not give the right consent forms before working on you and also they waited longer than 180 days that they have to submit any ER visit, so i asked can I appeal it and they did and it got approved and they got paid. 
Now the bill i received was XXXX $ but when i got my letter that said they already paid them it showed the bill was XXXX $ but was to the hospital and i still have the bill on my credit report because they havent received the money and when i called the insurance they said that there was no bill that they recited from that provider nor any bills for XXXX , and they investigated to see what happened and found that that provider submitted multiple requested within 3 days and kept on sending it with different amount which all were more than XXXX , and right now the provider nor the collection that is working with that provider refuses to till me what happened and it affected my credit report a lot.

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 2019-11-25 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: DE

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to report suspicious activity on my account after I received a password-change notification. XXXX XXXX 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, XXXX XXXX has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, XXXX XXXX reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, XXXX XXXX reported a new account under my name even though I did not open a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Several weeks ago I called about my loan which was past due. I've been enrolled previously in a low income driven plan that reduced XXXX payments. I advised I wanted to reenroll in that service. I was put through an automated service, advised I will be paying XXXX monthly for 6 months. I asked about Forbearance on my past due, because that was always done in the past. I was told I will have forbearance applied. 

I called Navient this morning. I was told that I will get forbearance only have 3 consecutive payments. I was placed in a different program than I called about. I discussed at how the rep told me this over the phone on the forbearance. He said he will have the Supervisor review the phone call coach the representative. I advised this will not help me in the present. I explained my frustration that I specifically asked about this, because I do not want my information to be reported to the credit beuaru. I also mentioned student loans are taken very seriously by Federal laws, what is promised over the phone, and shared has to be very accurate. I discussed I would share this with a third party agency such as this one. He quickly placed me on hold to get a Supervisor. He came back without one, said I can sign up for another program, but I will have forbearance after 3 payments. This was also explained in the 5 minute recording I listened to. I asked the representative in the previous call this information on the forbarance after the recording and she confirmed I would have it after the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On a weekday between the XXXX and XXXX of XX/XX/2019 my mortgage company attempted to call me to let me know that my account was overdue. I had paid my mortgage payment on XX/XX/XXXX but I had not included {$390.00} in escrow payment because my loan to value currently is below the threshold needed to charge this amount. Since that time the company attempts to call me daily up to 3 times a day to collect a payment for the missing escrow value in an amount higher than {$500.00}. I do not owe them this money ; I have no written agreement or contract with the company ; they are attempting to collect monies not due to them which violates the Debt Collection Act of 1982.

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I sent Midland Credit Management a certified validation of debt letter on XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA XXXX that was delivered on XX/XX/2019, requesting validation of the debts with a 30 day time limit. 
( Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not receive a response from them until XX/XX/2019 ( dated on their end XX/XX/2019. 
This letter did contain verification of any debt, only a misstatement of my request about having an attorney representing me. I have none as yet. 

Therefore, I want to report a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am an individual currently in XXXX  school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX  XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. 

Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. 

The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. 

Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. 

Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. 

This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. 

I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

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 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.

Complaint narrative:
I moved to new house due to work commitments since I arrived at this address my mail had started to get stolen from my post box. There is a treveling community less than 300 yards from me they have been using my address for credit I paid Equifax to monitor my account as my score has been severely compromised I have no defaults by myself as I pay all my credit on time but there are other people using my file to see if they can get credit which I find very worrying I have contacted my local police to no satisfaction I have also contacted my local councillor but still no joy ther seems to be no help for me so your are my last resort to help me rectify this massive problem this is now causing me stress and anxiety thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I communicated with Spotloan representatives on XX/XX/19, XX/XX/19 and XX/XX/19. I signed my multiple loan contracts with this company, and have paid past debts with overdraft. However, I was unable to do that for some reason this time, and now I am still collecting unemployment. I thought I could get a hardship break and have requested to have all interest and other fees removed. I am currently 65 days past due and after 90 days my account goes to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: MI

Complaint narrative:
I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I received notice that Exeter Finance LLC was pulled my credit report without my authorization. They clam they received my personal information from an auto dealership that I did not authorize to review my credit report. This is the third time Exeter Finance has accessed my credit report in 6 weeks. I have contacted them and demanded they stop, but they continue to access my credit report without my permission. I asked them for proof I signed a credit application with their client or them. They have not produced one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
XX/XX/XXXX, XXXX I contacted the payoff dept of Lakeview Loan Servicing , LLC . They provided me with the payoff amount for our loan and stated the full escrow payment, including my insurance pay out would be dispersed within 21 days. They received the full payoff of our loan on Friday, XX/XX/2019. 
XX/XX/2019 - I received my escrow check for the {$2700.00} but not my insurance amt of {$100000.00}. I waited since I thought this might take additional time, and my family was dealing with a death in our family so it wasn't a top priority for me at the time. 
XX/XX/XXXX, XXXX I called Lakeview Loan Servicing , LLC . and spoke with several customer service reps to get an update on my additional insurance funds of {$100000.00}. After 1.5 hrs on the phone ( mostly on hold ) no one could tell me the status of these funds, if they were released, pending release or when I could expect my check. 
They stated they would submit a request to have a supervisor contact within 24-48 hrs. This is the 2nd major issue we've had with XXXX XXXX within 6 months. This company is way over due for an  audit to determine what steps should be taken to monitor their lack of business ethics to protect other consumers. 

Sincerely, 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