vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Hello Waypoint Resource Group has filed 2 Derogatory marks on my credit. I've attempted to call on 5 separate occasions. The do not answer calls. I've contacted XXXX and XXXX about the mark filed and they've been less than helpful at removing the marks Opened XX/XX/2018. 

Today I just saw they filed another mark. XXXX XX/XX/2018 The say it is for XXXX XXXX   which i assume is cable. I've had XXXX  for 5 years and do not have XXXX cable. 
I've also never received a bill, notification, or even an attempt to collect debt. 

This has caused personal damage to my credit and bank standings. Please HELP XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have contacted customer service at Chase Auto about a inquiry on XX/XX/2017 And was informed they were unable to provide any information or present a application for credit allowing my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TCF NATIONAL BANK
State: NJ

Complaint narrative:
I have contacted XXXX XXXX XXXX  customer service and was inform they was not able to provide information about the unauthorized inquiry on XX/XX/2017 And did not have a application for credit on file.

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 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I have contacted customer service at GM financial and was told they were unable to provided any info or a application for credit about a inquiry on : XXXX : XX/XX/2017 / XX/XX/2017 / XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding is trying to collect a debt that I do not owe them. I have never signed any contracts with Midland funding. I have disputed this debt with the three major credit bureaus via certified mail. I just recently sent a debt validation letter via certified mail directly to Midland Funding. Midland funding is a company based out of Delaware and they are allowed to do business in Delaware and California. I am a resident in the state of Ohio. Midland funding do not have a foreign license in the state of Ohio to do business. I want them to cease and desist any collection activity and reporting to any and all credit bureaus. I want this debt immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC
State: CA

Complaint narrative:
I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. 

The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. 

Is it really possible they would mail out a statement coupon with the wrong address?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over.

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 2019-02-24 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: NY

Complaint narrative:
I am uploading a letter I received from transunion on XX/XX/2019. I have made it very clear that the account I am disputing XXXX  XXXX XXXX has fraudulent activity on it. I explained in depth that I did not make these fraudulent charges and I want this account removed off my transunion credit report. I cant be more specific as I am. That account has fraudulent charges and I should not be held responsible. I reported this years ago to XXXX  XXXX XXXX when I lost the card. I was told back then that I would not be responsible for those charges. Well years later its still reporting on my credit report which is causing me a hardship in obtaining substantial credit. Transunion is playing games and I am submitting this complaint on them because I already specified in detail. Not responsible fraudulent charges please remove off report like XXXX  did.

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 2019-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/2018, I bought the 2018 Honda. XXXX. I discovered there are two different contracts from the dealership and Honda Finance, which is on file. This is auto sales fraud on a senior citizen and a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Hard inquiry listed on credit report from XX/XX/18. Do not recognize this company.

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 2019-02-24 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: FL

Complaint narrative:
Experian & XXXX are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

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 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Some used my personal information on XXXX. XXXX billed me for {$100.00} when I was not doing any business with them or using their services in any way. I provided them legal documents proving it was identity fraud. I filed bankruptcy and my attorney told me to list the debt to get it XXXX. I did, notifying both XXXX and CBE of the filing and then once the Chapter XXXX XXXX  was granted. I have made it clear to CBE at least three times after the discharge, mailing them copies of the judge 's order and how they were violating the law by continuing to bill me. I get another bill today, they are still billing and reporting on a debt owed which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
My loan was turned over to FH Cann and Associates when it went into default due to monthly payments of over {$1500.00}. I sent them income information and was told I could consolidate and get back on track. I called to find out what else they needed in the process and was told that it was to late ; they had sent paperwork for garnishment to my employer. They used my income verification paperwork to obtain my employers information. I was not informed ahead of time, although they claim to have mailed notice. I never received it. Although I asked to be set up with a voluntary payment, they stated there was nothing to be done about the garnishment. I was then told that my garnishment would not even be enough to apply to my principal, it does not even cover the interest of my loan of over {$160000.00}. Im afraid that I will be stuck in this never ending cycle of debt for the rest of my life. I did everything I was asked to do, and the information requested that I voluntarily submitted was supposed to be used to help me ; instead it was used to immediately pursue garnishment without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  & Equifax are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: NY

Complaint narrative:
I have had issues with XXXX customer service representatives since XX/XX/2018. Often times their representatives gave me false informations. 
For example ; 1. After consulting a federal loan specialist I was told I was in pay ahead status because of a payment I made when I was put in administrative forebearance ( a forebearance I was not told about when I switched from XXXX to XXXX ). When I called XXXX to report this I was repeatedly told by the customer service representative that I was NOT in pay ahead status. It wasnt until I spoke to a manager that I in fact was and they flagged my account as pay ahead. 
2. I have requested a detailed payment tracker report since XX/XX/2018.  I have followed up three times regarding the status of this report and have been told that they are working on it. They are unable to give me more information. Without this report I can not retroactively remove the pay ahead status. As per my loan advisor, PSLF can be nullified if I am in pay ahead status. 

Without my detailed payment tracker report, Im not sure if Ill qualify for PSLF program. I continue making payments on high interest loan with no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Spoke to XXXX XXXX for {$460.00} for XXXX and I do not have. Live in a private community that provides free cable with XXXX XXXX. Spoke to them on XX/XX/19 and explained situation and would not listened to me. Called again this week at XXXX spoke to a XXXX XXXX and settle on account for {$250.00} to be taken off my credit and to send me a letter showing this. Number makes a weird sound now and they got the money and never sent letter to me email or took collection off my credit. I proof that I made payment of {$250.00} to settle and get my credit situation corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: CA

Complaint narrative:
In XX/XX/2016 I worked with synergyone lending for a mortgage of {$230000.00}. I am a XXXX  and they promised me that they were authorized to help me take part in a XXXX grant program. After constant phone calls all through the process about how to do it and making sure everything was right, I started my application and put in my offer. My offer was accepted so I started the work of going through the loan process. I was in contact with synergy one and XXXX XXXX 's loan team until the week before I was supposed to close. During the month I continually asked to lock my rate. They said that was not possible, which I later found out is a complete lie and was actually illegal. Suddenly at the last week, they disappeared. I couldn't reach anyone. No one would return my calls or answer them. They had a secretary consistently say they couldn't talk. Then, when my closing date was already past due, they finally contacted me and said that I couldn't do the XXXX grant program anymore and if I wanted to close on the loan, then I'd have to accept the one they put up for me already. Everything was changed. The loan terms, the interest rate quote, the amount I had to put down. In the end they cost me about {$18000.00} that I was expecting to pay towards the student loans I had, that I now get to pay interest on instead. This group out right lied to me and did illegal things. I posted on yelp and was contacted by their Vice President who said it was just and unfortunate incident and they couldn't do anything about it anymore. These criminals should be locked up.

Company response to consumer: Closed with explanation