vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
Ive reached out to this company. 
This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and applied for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and apply for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XXXX, my previous mortgage loan servicer, made in error when determining my escrow account payments. They effectively doubled the amount on one of my two tax payments that are required per year. This was done in error in which they aid they were doing an escrow reconciliation. 

I tried to resolve with XXXX. However, they never resolved the issue after I sent them multiple RESPA requests. They subsequently sold my mortgage to LoanCare. 

My mortgage was then sold to LoanCare/XXXX XXXX. I requested the escrow error to then be corrected by LoanCare. I have requested this 4 times. Each time with a denial that did not fix the escrow error nor made any sense based on the status of my account. It seemed that picking any reason to deny the requests was the only action taken. No investigation into the documents or information provided. Each denial made no sense in respect to the information I provided or the current status of my account. 

Since, I made no progress on fixing the escrow error. I then requested that I be able to pay my taxes and insurance myself. Which would also eliminate the overcharges on the escrow. 

The last denial from LoanCare stated that my loan to value ration did not yet exceed 80 %. 

This is also in error. My loan balance is {$190000.00}. The original loan amount was XXXX. My house currently appraises for minimally {$330000.00}. XXXX and XXXX at $ XXXX. Either way, I meet the criteria to pay my own escrow. 

Its very frustrating that I can not get this fixed. My escrow account will be ~ {$8400.00} when the next payment of taxes due XX/XX/2020 is {$3900.00}. 

I am being forced to pay a monthly over payment on escrow of {$310.00}. 

This is my last step in trying to resolve this situation before filing a claim in the Michigan courts. I have tried to resolve this over 7 times between XXXX and LoanCare current mortgage loan servicer. 

Please see attached spreadsheet and screen shots from my account. As well as the last denial letter for me to pay my own escrow. 
First, you can clearly see the escrow error. As it states what LoanCare has to pay for my taxes and the amount they are actually receiving. 

Regardless, I want to eliminate the escrow altogether. 

I want to pay the insurance and taxes myself. I have every right to. No payment has ever been late and my LTV is minimally at 61 % if not better. 

Included documents include spreadsheet showing escrow over payment backed up by screenshots from my Loancare account. Also included is documentation regarding how I never missed any payment.

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 2019-10-30 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: TekCollect Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I contacted Tek Collect by phone XXXX to pay a debt that is listed on my credit report. I asked to have the debt removed from my credit and advised XXXX XXXX " supervisor '' that I would be paying the debt by credit card. XXXX stated the debt would not be removed if I paid it by credit card it would ONLY be removed if I paid it by certified check or money order. XXXX stated that if it was paid by credit card that it would be reported to the credit agency as paid in full in about 45 days but refused to remove even though it was paid in full ; however if I paid it by cash it would be reported as paid in full and removed from my credit right away. After contacting your office I called Tek Collect back, spoke with XXXX again and asked for validation of debt ( stated she does not have ), debt collection professional ID ( stated she does not have ), but did give company street address of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This agency is threatening to remain a burden on my credit even though I am requesting to pay the debt in full because I won't give them " cash. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received a collection agency letter stating that I was in collection around XX/XX/2019. Contacted the agency to notify them that the debt was not mine. They asked that I send them documentation of where I lived and why I believed this debt was not mine. Sent documentation to them around the middle of XX/XX/2019. The collection agency stated that they had been sending bills to an address in California, in which I have never lived at. I got my credit report and come to find out, someone had opened a credit card under my name and now I have a no payment collection on my credit. A police report and a FTC have been filled. The collection agency has not provided proof ( signed statement, video, or receipts ) to me even though I have requested this information. They continue to call me, send letters, and threaten to ruin my credit which they are - they have placed that debt under my credit report. I have submitted all the documentation to the credit bureau and is pending an investigation. The calls are none stop and so are the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I called XXXX and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation 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 2019-10-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I called Experian and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation 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 non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been trying to get capital one to send me a letter to send XXXX  to delete a credit inquiry from my report that I never authorized or have no knowledge. they keep sending me the same paperwork in the mail. I send back I been trying to take care of this since XX/XX/2019, capital one inquiry was made on XX/XX/2019. I have called over a dozen time never get any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX / XXXX XXXX charged off a balance of {$5400.00}. I made numerous contacts to both XXXX and Experian to notify them that this was a fraudulent charge. It was removed from my credit report for a time but then just reappeared as a charge-off. 

I originally opened this card for a 6-month no interest on a washer and dryer which was paid in full long before the fraudulent charge. 

XXXX XXXX claimed that statements were mailed to me. THEY WERE NOT. I BELIEVE MY ADDRESS WAS ALSO COMPROMISED FOR THIS CHARGE OR THE CROOK OPTED FOR PAPERLESS STATEMENTS. 

XXXX XXXX XXXX XXXX ending in 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 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: DC

Complaint narrative:
I can not see any of my recent transactions since XX/XX/19. I've tried every link and pathway online to retrieve the transaction statements and spent an hour online stating the problem. I was then told to contact the 24/7 call center. They've not provided a reference number and the service was beyond slow and not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Innovis
State: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On Monday, XX/XX/XXXX I was called by Quicken Loans agent XXXX XXXX and offered a refinance of my mortgage to a lower interest rate. I was told that doing so would save me XXXX dollars per month. This was a lie. _______________________Later in the day I spoke with Quicken Loans agent XXXX XXXX , and was told that my current P+I payment was {$670.00}, and that my escrow payments were {$480.00}, and that by taking out a new loan those numbers would change to {$730.00} for P+I and {$340.00} for escrow. What was deliberately kept from me was that the escrow payment that I am currently making is artificially high due to a shortage from the previous year, and that my escrow will return to {$340.00} ( the same as the new loan ) after this shortage is made up. Thus, instead of saving {$80.00} per month I would actually be paying *more* per month over the life of the loan. _______________________Not only would I be paying *more* per month, I would also be paying *more* over the cost of the entire loan, and would have a *higher* buyout number. Not only would I be paying more, but the total payments would be due sooner! 
_______________ Total cost over life of my current loan : P+I of {$670.00} x 339 remaining months = {$220000.00} + {$1300.00} escrow shortage = {$230000.00} + escrow that is the same for both loans____ Total cost over life of loan pitched to me as saving money : P+I {$730.00} x 324 months = {$230000.00} + escrow that is the same for both loans*** ______ ***These numbers actually underestimate how much I would lose over the 28 years of the current loan vs the new 27 year one. The new loan would be paid off in 27 years, meaning property taxes and insurance would have to be added for year 28 in order to come up with a true estimate of what I would be paying under each scenario. __________________ Cost to buy out loan : Current loan roughly $ 134K, Loan pitched to me as saving money roughly $ 140K ________________ There is no point at any of the 27 years of the new loan where I come ahead financially. I would be losing at least {$6000.00} over the entirety of the new loan, and losing nearly {$6000.00} if I buy it out. _______________ Given that this was pitched to me as a way to save money, and that the true cost comparison of my current loan to the new one was deliberately misleading, these agents have engaged in fraud.

Company response to consumer: Closed with explanation