vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I had service with XXXX XXXX  XXXX, I turned in all equipment and cancelled, but during that time XXXX XXXX   switched to XXXX. I never received any other communication either from XXXX XXXX  or XXXX. 

I noticed a new collection on my credit report from a company named Waypoint Resource Group, I contacted them via USPS in 2 different times asking for an itemize statement of bill they are collecting but never received a response. 

I disputed the account to the credit bureaus since I have not received any initial notice or bill from this collection agency or XXXX XXXX, they " verified '' the account but that do not make sense since the collection agency do not response the mail. I don't know what is the reason of this bill. I want to know what they are collecting and why XXXX XXXX  never contacted me before they sent the bill to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
The state of Idaho follows the federal FCRA, and with debt that did not have interest applied to it before going to collections, then it can not have interest applied in collections. 

The debt was from XXXX XXXX initially, they charged no interest or late fees. 
I have a debt from them with another collection agency and they have never charged me interest or late fees. 

The company alleges that part Idaho laws they are allowed charge 12 % interest in debt, this is incorrect. Idaho has a bad check law that can have an addition 12 % interest charged for willfully writing bad checks, this is not the situation There is no payment agreement with this collection agency, therefore no late fees or reported late payments. 

Idaho has a statue of limitations of 4 years for this type of debt, these accounts are from 2014.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I made a reservation at the XXXX XXXX XXXX XXXX in XXXX, TX for XX/XX/19 through XX/XX/19 for {$75.00} per night. When I was billed the charges were XXXX, XXXX, XXXX, XXXX, and XXXX per night plus tax. I immediately notified the front desk and the clerk said she would fix the charges. Later when I had not been credited I called and again. The front desk clerk again told me I would be charged {$75.00} per night plus sales tax. After the fourth phone call I was told that the computer automatically adjusts rates based on capacity. I advised that they could not adjust my rate without notice because I had a reservation. I advised Chase credit card company of the issue and they said I had to pay whatever was billed. I explained that I have stayed in hotels 1,000 's of times and I have never been billed more that the agreed amount. Further I explained that every time a person checks into a hotel they sign a piece of paper with the rate on it. Chase said they don't require signatures and I would have to pay whatever whoever charges to my card. I advised that this was a violation of the law and I would not pay the overcharged amount of {$110.00}. In addition, I advised that I wanted to close my account and be refunded the annual fee that was due in XXXX. Since I can not do business with a fraudulent company I want the account closed, an agreement that I will not pay the overcharged {$110.00}, and a refund for the annual fee. I will not be using the card due to Chase 's fraudulent actions. I will use XXXX XXXX as they do not hold the cardholder responsible for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

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 2019-11-20 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
Could not get this resolved as the representative did not understand the charges was put on hold XX/XX/XXXX I paid off the balance on my XXXX XXXX credit card. After that I was charged {$2.00} for fees that are unexplainable. Those were attached after I paid the balance. Sounds like a type of fraud to me credit card companies got way too much leeway to do as they please to the consumers. I would like a viable explanation thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX I had some unauthorized charges from XXXX. I called pay pal multiple times and asked them to remove my checking account and explained I did not give permission for them to use my checking account. They advised to go online and remove my bank account from my XXXX account. I explained every time I tried to do that it was giving me a error. I then went into a Peoples Bank Branch and st down with a MANAGER for a long period of time explaining this issue and asked to close my account and open a new account to prevent any further transactions from XXXX. I showed the manager how many times I called paypal and showed him the error message. He advised that I did not need to close my account a block would be put on and no more transactions could come through. This month 2 more XXXX  cam through causing my account to over draw. I called peoples and was told to file a claim and I would NOT be refund overdraft fees even if it was fraud. I asked for a manager and was still not assisted. I was emailed thinking I could file the claim electronically but I'm asked to come into branch again or find a printer and fax. I called XXXX  several times and they told me they removed the bank account and refunded me but I have not received my money. I followed up with Peoples Bank several times and I have not come to an resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email from American Education Services XXXX ( " AES '' ) stating the following : " We received your application for an Income-Based Repayment ( IBR ) plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. 
To have your monthly payment amount based on your income and family size, you need to recertify your information annually. If your payment amount already increased or to prevent it from increasing, please visit StudentLoans.gov immediately to reapply. '' I am very confused by this email, as I have already submitted, on multiple times, my IBR, once already through the StudentLoans.gov site, and once directly to AES, and I already received an approval letter for renewal of my IBR from AES dated, XX/XX/XXXX, which advised that I am to pay from the period of XX/XX/XXXX - XX/XX/XXXX, {$390.00}. I have a copy of said letter and will attach to this correspondence. Due to economic reasons, I had to request an economic deferment of my payments from XX/XX/XXXX - XX/XX/XXXX, which was granted by AES, again communicated in a letter dated XX/XX/XXXX, which advised that my temporary forbearance was granted until XX/XX/XXXX. A copy of this letter is also included. 

So as you can see, I am confused as to why AES is now advising that my IBR request has expired and now I am in fear that my Income Based Repayment Plan will be extinguished through the negligence of AES. I fully expect that I receive a retraction letter from AES of the XX/XX/XXXX message in the email, and confirmation that my IBR plan IS in place, and that I HAVE the forbearance of my current IBR payment of {$390.00} until after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CT

Complaint narrative:
I have had numerous issues with trying to get my credit report to reflect the accurate scores and rating that are consistent with XXXX and XXXX  that utilize the same information and are anywhere from 50-100 points greater than what Equifax reports every month for the past two years regardless of the amount of debt I have paid on the fact that I have an excellent payment history, and regularly monitor my reports. 

Equifax for the past year has scored me at a XXXX ( fair ) rating with little to no improvement despite $ XXXX worth of debt being paid off and maintaining zero late payments, no derogatory information, or collections in comparison to XXXX  that has be at a XXXX and XXXX at a XXXX to date. 

When I call to inquire I get a person from out of the country that simply responds to how credit reporting works and not to try and fix the problem as to why my scores never change in a positive direction. 

They also continue to report a VA derogatory debt collection that was removed by the VA from the other reporting agencies as inaccurate and placed in error as I was on XXXX XXXX XXXX an the debt was accrued and paid through payroll deductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, Cavalry Portfolio Services sent a letter claiming that I owe a debt of {$3400.00} from XXXX. I never had a XXXX XXXX  account or card so this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am currently unable to access my Equifax credit report. 

I have been using XXXX credit monitoring service for a few years and was notified that my Equifax data could no longer be accessed. I validated that my report was inaccessible by attempting to pull it using the free annual credit report, purchasing from Equifax, XXXX XXXX and other services. I am also unable to lock, freeze or dispute information on my report. 

There has been over 20 attempts since XX/XX/XXXX to rectify with Equifax who's agents either transfer me back into the que or simply hang up. I have attempted to purchase my report from Equifax to no avail 15 times now. 

My lenders are unable to access the report as well and it is preventing me from closing on my mortgage. My closing date has now been delayed from XX/XX/XXXX to XX/XX/XXXX while we await remedy from Equifax who is not actively trying to fix the issue. 

To date no agents I have spoke to have been able or willing to assist or open a trouble ticket with their IT departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: VA

Complaint narrative:
I dont recognize the charge. Ive requested in writing that they provide dates of service and specific providers, and that this information be provided in writing. Ive been told that I need to resolve this today. I have not received the requested information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Started in XXXX of 2012. Applied for a modification. Told must be 3 months behind. So in Late XXXX of 2012 we applied after meeting their instructed requirements.Several months later we were told we didn't qualify ( made to much money ). However we were encouraged to reapply. So we did. Several months later we then were told we now don't make enough money. However again were encouraged to re reapply. So we did. This time all seemed well. 2 days before the Mod was to be in affect they informed us they have sold the note an we must start fresh. This behavior as we have explained above has taken place 3 more times an continuing during this time period ( some 30 or so months ) each mortgage service co. wanted the full amount owed on the mortgage to be paid in full and would not except any monthly payments.The note service r currently ( Nation star Aka. Mr. Cooper ) Has weekly and intentionally harassed, Lied, played confused, delayed, any an all our efforts to resolve this major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: MS

Complaint narrative:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX XXXX XXXX MS XXXX Please remove the following address ( es ) and names from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX My name is : XXXX XXXX XXXX Wrong Name : XXXX XXXX Name ID # 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Please be advised that as of this writing and despite my repeated telephone requests to Freedom Mortgage for resolution, Homeowner 's Insurance for the above referenced property is expiring retroactive to XX/XX/19 for Freedom Mortgage 's failure to pay the required premium by XX/XX/19 as notified in attachment. We will therefore be without coverage as a result of Freedom Mortgage 's failure to pay in our behalf despite repeated requests and adequate funds in our escrow account for payment of such. In light of this and previous failures by Freedom Mortgage to execute their responsibilities in harmony with RESPA and TILA directives, I also submitted a Qualified Written Request and Notice of Error after multiple failed telephone requests in the past 30 days to correct this error and issue timely payment as requested by the Insurer.

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 2019-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix 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 2019-11-20 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: MS

Complaint narrative:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX , XXXX MS XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Wrong Phone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Wrong Employment Data : XXXX, XXXX XXXX, VA 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 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
They are continuously placing my paychecks on hold with no reason or explanation. It has created a hardship for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
I paid {$400000.00} for my home. US Bank is my mortgage provider. PMI is supposed to be cancelled automatically once the loan amount equals 78 % of the original purchase price ( {$310000.00} ). 

I looked at my statements and found my loan value dropped below that amount on my XXXX, XXXX statement ( {$310000.00} ), but Interest remained. I requested by phone why I still had Insurance deducted, and they said they would look into it. I received a response via mail on XX/XX/XXXX, stating that I had met the Loan to Original Value ratio requirement and have a good payment history, but in order to cancel PMI, I must pay them {$100.00} to perform a Broker 's Price Opinion ( BPO ). 

This is not required for automatic cancellation of PMI, only for requested cancellation ( at 80 % LTO ). 

I should not have had to pay PMI for this period of time and I should not have PMI charged now. The funds I would have had in my accounts or paying down Principal were in my mortgage lender 's possession, rather than mine, thus I have not been making interest on those funds or reducing the principal on my loan with them.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CO

Complaint narrative:
I have attached the email correspondence between me and the Property Manager ( XXXX XXXX XXXX XXXX ),  which will reveal my case/complaint. I am facing a severe financial hardship and living with my relative as I am unable to get an apartment because the Hunter Warfield Collection Agency has reported the debt to XXXX, XXXX XXXX etc. The Landlord wants to collect $ XXXX, based upon false allegations. 
For sake of XXXX, please help me. I was jobless since XX/XX/2019 till end of XX/XX/2019. 
I request you to please help me to get rid of this unnecessary burden. I have contacted the Property Manager to resolve this issue but she asked me to contact the collection agency. I have have contacted the Agency,  an agent by name XXXX XXXX  replied, she was very rude to me and was not ready to resolve this issue.

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