vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This collection agency is attempting to collect a debt that is not mine. These alleged charges erroneously appeared on my credit report. I currently have services w/ XXXX, previously known as XXXX  at my current address of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX FL XXXX. I tried to call Way Point Resources Collection agency on XX/XX/2019 to inform them they are reporting incorrect information to the credit bureau. The agent did not submit a dispute, instead told me they have an account being reported to them at a different address but would not disclose the address and the account started with XXXX XXXX which turned into XXXX XXXX. I tried to dispute this invalid debt being reported to the credit bureaus but I was told by the collections agent they would continue to collect a debt that does not belong to me. 
I am requesting validation of this debt with my signature on the original contract from XXXX XXXX according to my rights under theFair Debt Collection Practices Act ( FDCPA ).

I do hereby request that your office provide me with complete  documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If  your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Today, XX/XX/2020, I received an alert from Experian that XXXX XXXX places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted XXXX XXXX via phone. 
I spoke to several representatives who stated that XXXX XXXX did not pull a hard inquiry in my credit report. 
And to contact Experian to dispute the inquiry. 
I contacted Experian, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that XXXX XXXX will need to dispute it. 
I contacted XXXX XXXX again, and XXXX XXXX representatives claim that I will need to dispute it myself. 
I am been given the run around by XXXX XXXX and Experian. 
Experian will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.

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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor. 
I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional. 
The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was. 
The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this. 
Ultimately, I would just like to receive a valid consideration that this debt inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They keep calling and using different numbers and when you call back it says the number is no longer in service. They all so keep calling my cell phone number. When they send out letters they do not put who it is from. I called them about a year ago and they got nasty with me. They told me it is mine account but the only thing is I never recivied any cards from XXXX  XXXX at all. Midland Funding Llc calls all hours of the night either on the house phone or cell Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: CO

Complaint narrative:
We moved in XXXX from XXXX  to XXXX  & changed address, changed phone numbers and changed bank accounts. I had a payment set to go through but since the address changed it did not go through. I didnt recieve any information that my account past due or that the payment did not go through from my old bank. There are multiple things that are incorrect from Alaska Advantage Stident Loan Program. 1 is I make one payment but when they reported a late it shows up for 5 accounts. This is predatory practice. Another is that student loans stay on reportd FOREVER which should be a crime. I've had perfect history for the past 8+ years with them and then this incident which was accidental trashes my credit. It brought my score from a XXXX to a XXXX and I pay my Bill 's on time and plan on buying another home in the near future. Another things they dont XXXX report 30 day late which if that would have occurred maybe I would have seen the error earlier. They do that on purpose because I'd they can CHOOSE to not report 30 day lates than they can assist in getting this removed. This is unfair practices that takes advantage of consumers and is predatory. I feel sorry for the college students today getting out attempting to pay these loans because I'm a XXXX XXXX  and this company has never worked with me during transitions. XXXX XXXX student loans however has been awesome at working with you during transitions of home or jobs. This company needs to get its stuff together and is the perfect representation why this country needs student loan reform. If your going to bankrupt our nation you should at least work with the people that are paying your loans back. I've already paid back way more than I borrowed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Today, XX/XX/2020, I received an alert from XXXX that American Express places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted American Express via phone. 
I spoke to several representatives who stated that American Express did not pull a hard inquiry in my credit report. 
And to contact XXXX to dispute the inquiry. 
I contacted XXXX, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that American Express will need to dispute it. 
I contacted American Express again, and American Express representatives claim that I will need to dispute it myself. 
I am been given the run around by American Express and XXXX. 
XXXX will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: HW Holding, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX I applied for an apartment at XXXX at XXXX whose address is : XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. I did not get approved due to my credit. I got residency at another address. On XX/XX/XXXX I went to a federal job interview and learned that XXXX apartments had charged me XXXX dollars since XXXX. This is a delinquent mark on my credit report and has been since XXXX. I called them on XXXX at XXXX XXXX about the bill that they claim I owe. I spoke with XXXX who works in the office there said she will locate my file and call me back. She also took down my phone I called back on XXXX XXXX at XXXX XXXX. I spoke with XXXX in the office who told me that they have not yet grabbed my file and when they do they will give me a call back. I did not receive a call back on XX/XX/XXXX. I called the collection agency handling my file. The company is Hunter Warfield Inc. whose address is : XXXX XXXX XXXX XXXX. XXXX, Florida XXXX. I called them at XXXX XXXX and spoke with XXXX XXXX who stated that the charge was a utility service fee. He suggested that I pay the debt and then they would alert all three credit companies for half the price of the debt.I refused. I then called XXXX XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in the office. I told her who I was and she then stated that they pulled my file and submitted a request to the credit company and its in the process of being taken off. I then asked for a letter stating that I dont owe them and XXXX agreed to send me an email on a letter head. I still have not received this letter. I called Hunter Warfeild at XXXX. on XX/XX/XXXX and spoke with XXXX to make sure that the paperwork was received by them. XXXX said that they have not yet received any paperwork from XXXX. XXXX also said it was a file for identity theft. I told her there has been no Identity theft. I would like this false charge to be removed from my credit report and i would also like my credit restored in some way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Case # XXXX Capital One is asking that Customer provide this # 8 of 10 pieces of documentation to support Customers complaint that Merchant delivered defective services to Customer. 
# 8. A 2nd opinion on company letterhead from another merchant in the same field that states how the service was defective : Customer responded to Capital one as follows : a. Item # 8 is unusual request i. A 2nd opinion on company letterhead will require additional time and money than the short fuse Capital One offered.

ii. Customer has requested the Consumer Financial Protection Bureau weigh in on whether item # 8 is reasonable or burdensome and not relevant as it basically requires one professional to rat out another. 
iii. Furthermore, Capital One has a General Counsels office. Capital One, XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX Attn : Mr. XXXX XXXX XXXX, General Counsel Capital One has received now two ( 2 ) packages from Customer with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: MS

Complaint narrative:
My name is XXXX XXXX, I am writing this letter regarding my home located at XXXX XXXX  XXXX XXXX XXXX, MS , XXXX I have been trying to work with XXXX XXXX   regarding my delinquent mortgage. I have submitted for mortgage help thru XXXX but have been declined for any and all mortgage home retention options. They mentioned to me that my only options is to come up with the {$13000.00} past due including any attorney fees and cost. 

I spoke to Head Supervisor Collection/ Loss Litigation- XXXX XXXX XXXX XXXX Extension XXXX Position collector. 

explained to them that the reason for falling pat due is in XX/XX/2018 I was diagnosed with XXXX XXXX and XXXX XXXX and had to be treated. While going thru the treatment I had a loss of wages and eventually they filled my position do to the time i needed to recover. 

I am now in a better position but they will not work with me do to my loan type. i am asking for help from the CFPB to look into to this as well as the FDIC I feel they are in violation of my homeowner bill of rights and should offer me assistance to stay in my home I have a steady income and can afford my mortgage. 

Also, I have asked for letters from XXXX declining my request for assistance but they state they are not required to do so,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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:
I would like to submit complaint of misleading financial information by FedLoan Servicing. 

On XX/XX/XXXX I contacted FedLoan Servicing due to confusion regarding balance after I made a large payments. For the past year I have been paying minimum monthly payment. While I was making my minimum payments I reviewed my billings statement and had created my own accounting sheet. Per my own accounting, I estimated after 30 days, my loans would accrue around {$550.00} in interest. My monthly direct payment was set at {$560.00}. When I reviewed my monthly statements, I did take note that a number of my loans only had interest being paid, where few had principle being paid. I also took note of my " Total paid '' statement of interest satisfied and principle satisfied. During this time it appeared to me that I was essentially paying the interest on each of my loans and a very small portion was going to principle ( of note, this was my lowest interest loan ). 

So, it was a big surprise to me that when I made a large payment on XX/XX/XXXX and XX/XX/XXXX of XXXX, and learned there was an outstanding interest due on multiple loans. After hours of review, I was informed that many of my loans did not have their monthly interest satisfied and were in fact growing every month. I was informed that the minimum payment due did not account for different in interest on each loan. Amount due on one loan did not influence amount due on another loan. So, while my bill shows that principle is being paid on some loans, it does not show when interest is not completely being paid off on other loans. We then reviewed daily accrual for each of my loans, and then I was instructed to do the math on my own to determine how much interest was not being satisfied every month. I did request for this to be provided to me, but they were not able to provide me with such information. 

I would also like to note that during this call, Public Student Loan Forgiveness program was brought up. While I appreciate being informed and reviewing the program, I did feel I was being told to not worry about the above issue, because in the end, its going to be forgiven anyway. While I can appreciate any suggestions and guidance in paying off my student loans, I dont feel it is appropriate to suggest depending on a program that is not guaranteed and has multiple stringent circumstances over a 10 year period. 

In summary, I feel that current billing statement and online interfaces do not easily and clearly show when loans are growing, ie accrued interest is not being paid off with minimum payments. While there are many different payment methods, it should be clear to a borrower when a monthly payments is not going to be enough to satisfy accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 having problem with Equifax, they are not providing my credit report from last 6 months, i sent multiple times my id information over fax and mail to their address, Equifax has updated all my financial information on my wife credit file and deleted my credit file.. 

I am spending some part of my daily call with Equifax to get my credit report, they are not answering and responding properly also, they are saying i do not have any credit file with them.. 

I am in process on purchasing new home, where soon i will need to go for mortgage and because of Equifax not providing my credit report to lending company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc.
State: OR

Complaint narrative:
I was contacted in XXXX by XXXX XXXX from the offices of XXXX and XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a XXXX checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with XXXX. The issue arose when the letters showed account numbers that did not belong to me. I then called XXXX to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from C & M Associates Group, Inc and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted XXXX  again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that C & M Associates Group , Inc is just  going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with XXXX though. Thank you for your help resolving this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MD

Complaint narrative:
I sent TransUnion a letter requesting my information be corrected with the correct information for my residential address and employment. I sent a copy of my driver 's license, social security card, and voter registration card along with the letter. This information is proof of my Identity. Transunion would not correct the incorrect information on my credit file. I am requesting that they update my information with the correct information.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break.

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This credit bureau and bank are giving me a hard time I found an inquiry from capital one on my XXXX credir report contacted capital one they sent me a letter confirming this as fraud I mail it to XXXX and they still refuse to remove it they give me a hard time its not fair when they originally told me to provide them proof from the creditor requesting it be removed as fraud application Ive done it and they still act like its valid

Company response to consumer: Closed with explanation