vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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:
A few years ago I had service with XXXX. I went ahead and fulfilled my obligation with them until I decided I wanted to cancel services. Once I did, I went in person to cancel services and pay for any final charges. They gave me an amount and said I was done. I asked in person if I needed to return my equipment to them and I was told no. I was told that I had purchased the equipment and it was mine to keep. 

Here we are almost in XX/XX/2019 and I see a brand new collection for XXXX or rather XXXX now. I call XXXX and they don't seem to know why I owe them any money. I then call the collector named Waypoint and am told that it is for equipment charges. I fight with Waypoint because if XXXX couldn't tell me what the bill was for how would I know if I really owe for equipment charges? In the end I was told that is what it was for. I was upset but decided against making a big scene so I explained how I was told I had purchased my equipment and paid any amount due at the end in person. I said that I would go ahead and pay for the equipment even though I was specifically told that there was no money owed and the equipment was mine. Waypoint refused. They said they wouldn't remove anything from my credit report. I was more upset. 

After Waypoint refused to remove this account from my credit report even if I paid i began getting more upset. How is it that someone can go in person to a company they have no contract with and pay them their final bill in person. Then ask the company for any other moneys owed and told there isn't any. Ask the company about returning their equipment and told the equipment is now owned by the person. Never receive a bill. Never receive a phone call. Never told there is a collection. And then told that even though none of this is their fault, but regardless of whether the collection is paid or not, it would still hurt their credit report. How is that fair or even reasonable? How is it logical? 

I really don't believe this is right. I understand Waypoint isn't the one sending me to collections when I was told I didn't owe any money and equipment is mine, but I don't believe Waypoint should collect this money or credit report it when they have been informed of the circumstances. To collect this debt knowing full well that I have been lied to or cheated now involves them in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on around XX/XX/2008 our mortgage company XXXX and also under Wells Fargo reached out to us by mail offering a program available to us that may help us. We contacted them via phone and they told us that yes there was a government program but we needed to show hardship and their advice was to stop paying our mortgage. We can prove that before that we had never been late or on default with our mortgage. I have a paper trail that include names and fax, dates with times of our communication with a representative from the mortgage company. They even wrote me a letter via fax on our behalf with how we can show hardship. They connected us with a company Making Home Affordable. Gov this company charged us through XXXX XXXX XXXX Phone number XXXX a total of {$1900.00}. This ruined our credit and they also tagged 20 years to our mortgage without ever mentioning it to us. Years later we get a letter stating that our mortgage was going up because of our interest rate. We then started researching and found that they had put us in a bad loan. We contacted now Wells Fargo and they gave me the run around for months if not a year. To then send me a letter saying they could not do anything for us. I then have been working on gathering proof and I was finally able to find all the supporting documents.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express keeps canceling my accounts. I do proceed with an application for a premium charge card then the card arrives within a day or two VIA XXXX overnight rush mail and after a few days AmEx cancels my account arbitrarily. However, they don't forget to charge the annual membership fee and collect on it which is upwards of {$550.00} for a platinum account and {$250.00} for gold accounts. When I call Customer Service I encourage to apply for a new card. I also receive mail solicitation. Every time I apply for a new card ( as recommended by CS ) my FICO score gets a hit. This has happened four ( 4 ) times already in the past 3 months. I feel I am being discriminated against and not sure what to do. Before all the applications my credit FICO score was above 800 which is considered excellent. Hopefully my plea for assistance will effectuate change and stop this criminal activity by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management is saying I owe XXXX since XX/XX/2015. They refuse to acknowledge the fraudulent account and speaking to them gets no where. I am at my wits end and about to hire a attorney to send them a letter proving its not my account as its off 2 credit agencies already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices.

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started

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 2018-11-07 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: OH

Complaint narrative:
I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-11-07 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: FL

Complaint narrative:
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by Experian, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me 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 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently requested a Credit Report from Equifax. I then promptly filed a dispute based on inaccuracies with the credit report. After ample time passes, Equifax sends me an email saying that my report disputes have been responded to. They gave me a report confirmation number to log into. When I went to their website - I typed the same personal information into boxes that was done to file the dispute, then they tell me that the information I typed does not match their records so they tell me that I have to send them US Mail or call toll free number to get status of credit report. Their technology is sophisticated as such that all inaccuracies can be addressed over the internet but they are making it extremely cumbersome to fix your credit which in turn keeps you finance rates high and benefits Banks and Credit Card Companies. Equifax has done this several times in the past to me and I thing it is time to fight this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: ME

Complaint narrative:
XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX XXXX. closed account # XXXX. A request to deleted this account was submitted to the three major consumer reporting agencies during the next reporting. However, this account which was deemed as fraudulently open is still reporting on my credit file. In spite of that, you have also exceed the 30 day period mark for credit reporting agencies to investigate disputes additional time was given to resolve this matter. Your company as well as XXXX XXXX XXXX XXXX. both received notarized copies of an identity-theft report and identity affidavit via certified mail. As a result, further collection efforts were terminate then a request to deleted from all 3 credit reporting agencies without coincidence by XXXX XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages if this accountq is not deleted. Please be advise that this is also a serious offense of defamation of character whereas misrepresenting my name with creditors for debtors I am not associate with. You have 15 days to deleted this account otherwise there shall be legal action taken. 

Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: OH

Complaint narrative:
I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my Trans Union report they are not mine please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-11-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
The collection company in question, Amsher Collections CVCS, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$1000.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was unemployed at this time and unable to get any loan products from any financial institution. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XX/XX/XXXX. This account has been removed from my other credit report file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2018 I sent a letter to the collection agency to validate this alleged debt. On XX/XX/2018 I received a letter saying they " verified '' it but determined that my " dispute '' didn't contain sufficient information to resolve the matter. I do not owe this company anything. The original debt from, XXXX SOLD this account to the collection company, XXXX  XXXX. In the US law  encyclopedia, XXXX   XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid an account that was charged off in the amount of XXXX. The money was electronically debited from my checking account on XX/XX/XXXX. Synchrony/JC Penney is telling me i have to wait 21+ days to get a letter showing my payment and that the account balance is paid in full. They didnt even send a receipt for the EFT from my checking account. I've talked to 3 or 4 representatives and each one has given a different answer about the wait time i.e. 21 days vs 21 business days. I have a home loan pending and i can not move forward without a letter and i planned around 21 days from the payment date, which is the info the last rep gave me, now as of today its 21 business days. Each rep has been unable to even give me an accurate date of when i can expect the letter to be available i.e what is the earliest date the letter can be generated? One person i spoke with today said 1 more day and that he would be filing a complaint internally. now the manageris telling me no letter will be generated until XX/XX/XXXX. I need help. Im a single mother of XXXX kids trying to purchase a home

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