vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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: PA

Complaint narrative:
The following Credit Reporting company below was contacted : TransUnion Consumer Relations, XXXX. XXXX  XXXX, XXXX, PA XXXX, ( XXXX ) XXXX The 1st letter was sent to TransUnion company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( e.g XXXX vs TransUnion ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail 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 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX contacted me in XXXX concerning a debt they claimed I owed for a trip to the ER in XXXX 2016. This was the second collection company to contact me concerning this supposed debt. As with the first company, I submitted the documents showing I had taken out a loan through XXXX XXXX to pay the remainder of this bill off as I had been paying it down. This was the result of an accident, however, the Doctors continued harassing me about the fee so I went ahead and paid it before the settlement. 

The matter seemed to be resolved and I heard nothing else. I asked that I be given written proof that the matter was closed, but as with the previous collector, they just disappeared. Now, I am receiving daily calls concerning this. One day I tell them what happened and they say sorry, and hang up. Today, someone named XXXX informed me I was going to pay and nothing I sent proved it had been paid. The name, the account number all match, so she then told me they have been sending me letters I have been ignoring. I have received one letter, which I responded to, other wise they would not have the documents I faxed to them they claim don't match. When I mentioned they were the second collector to try and collect this she informed me they were the third. I have not heard from any but the first and now XXXX, however, her statement seems to prove my assertion that this is a bogus claim. Why would multiple collectors drop this matter if it was real? 

To simplify matters I then asked her to give me the account number if it was different from what I had faxed to them. She refused. She would offer no proof that this was a different account/bill and she simply kept speaking over me telling me to go their website. She then informed me I was being transferred to a manager and was put on indefinite hold until I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Complaint ID # XXXX Name reporting on credit Report : XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. This needs to be removed from my credit file immediately.

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 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Roughly a month ago, I called Wells Fargo to discuss lowering my interest rate, removing a co-signer, etc. I learned that unless Ive been paying on time for about 48 months ( 4 years ), and unless my co-signer is also experiencing financial hardship, I could not have my monthly payments adjusted. I accepted this, and was told by customer service that since I graduated, my interest rate would now be lowered by half a percentage or a quarter of a percent. The problem? I graduated in XX/XX/XXXX. The call was made in XX/XX/XXXX, after Id been in repayment for over a year. I asked why this hadnt been applied when I went into repayment. After all, I went online to confirm Id graduated, and even updated my contact info. The representative told me that since I hadnt contacted them specifically about the issue ( I had called multiple times during repayment and nobody had ever mentioned this ) that they did not apply the lower rate. I told them I had never heard about this in any communication, therefore I wouldnt know to ask for this specifically. I had asked in early XX/XX/XXXX for a lower interest rate or monthly payment, and nobody mentioned the graduation incentive then, either. The representative told me that this is something in the fine print when I signed the loan originally ... five or six years ago when I was still a minor. I asked if the lower interest rate could be applied retroactively, since I had  asked for something to help and had not been given the information. She said no, that was also in the fine print. The amount may be negligible, but this is just one instance of poor customer service and predatory lending practices Ive experienced with WF. The customer lines are often busy ( not even a waiting time, just busy ), and my emails almost always go unanswered. I was a few days late on my very first payment, and as a result can not make any moves to refinance even though every following payment has been on time.

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 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
This complaint is in response to prior compliants closed by the CFPB that were not resolved. Reference complaint numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
I received a bill in the mail from FBCS Services saying that their client XXXX XXXX, XXXX has authorized them to accept a 60 % discount on an outstanding balance of {$1400.00}. The date of service is XX/XX/2013, account # XXXX. That date is the day my XXXX XXXX XXXX son was in a bad ATV accident. He was not at fault and we filed a suit against the responsible party and settled roughly 3 years later. The original creditor is " XXXX XXXX XXXX XXXX XXXX ''. So after speaking with FBCS they recommended I call the XXXX XXXX XXXX XXXX. I spoke to them and the billing department of XXXX XXXX XXXX in XXXX. XXXX. They did not have any record of that bill. We searched by name, date, account number and my son 's social security number. The hospital did tell me they no longer use that company for medical billing. I contacted the attorney for my son 's case and he stated that was a bill that he never received. It was never submitted for payment during the whole 3 year settlement battle. My address on file at the hospital was current and up to date as well. So I'm at a loss. I'm not sure what to do next. I left a message with XXXX XXXX XXXX stating I'd like to speak to someone about a bill I received and I haven't been contacted. I want to ensure this isn't a scam. I appreciate your time. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, appeared on my credit on behalf of XXXX XXXX XXXX XXXX, which I do not know who these people are. I tried calling this company, and was confronted with ruddiness from a person at this company. I tried to explain that I am and have not been a owner of a XXXX XXXX XXXX. Then they began threating me and refuse to remove themselves from my credit report. This information appeared on my credit today XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I opened this account on XX/XX/2018 and i was promised that if I made a deposit of XXXX $ I would get a XXXX $ bonus. I fulfilled every term and condition listed ( I have never had an account with them before ect. ). I called them to ask why I had not received my bonus 3 times! Every time I was told we will look into it and nothing was done!

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma, LLC
State: KY

Complaint narrative:
XX/XX/2019 I got a notification from Credit Karma saying I had a hard inquiry pulled from XXXX XXXX ( XXXX ) The date that it was actually pulled was XX/XX/2019. 

XX/XX/2019 Contacted Credit Karma, they tell me to get in touch with XXXX XXXX. The bank tells me to contact XXXX. I can not get a straight answer from anyone. 

I did not authorize this hard inquiry as I don't even have a XXXX in my town. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XX/XX/2019 I got a notification from XXXX XXXX saying I had a hard inquiry pulled from Synchrony Bank ( Syncb/Lowes ) The date that it was actually pulled was XX/XX/2019. 

XXXX/XXXX/2019 Contacted XXXX XXXX, they tell me to get in touch with Synchrony Bank. The bank tells me to contact Lowes. I can not get a straight answer from anyone.

I did not authorize this hard inquiry as I don't even have a Lowes in my town. Please help me with this matter.

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. XXXX XXXX XXXX   XXXX WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM XXXX XXXX XXXX XXXX. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO TRANS UNION AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM XXXX XXXX XXXX XXXX THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY TRANS UNION CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED XXXX XXXX XXXX XXXX ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO TRANS UNION THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING XXXX  XXXX XXXX XXXX TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT XXXX   XXXX XXXX XXXX JOB IS TO CONTACT TRANS UNION TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND XXXX XXXX XXXX XXXX   HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH

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 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I recently lost my job due to the company 's layoff. As a result my last paycheck was mailed to me and not direct deposited. I contacted LendingClub on XX/XX/2019 to advise them of my job loss but that I could make the next payment. They advised there would be a 15 day grace period following the XX/XX/2019 due date. I contacted them again on XX/XX/2019 to request that they cancel the autopayment as the paycheck deposit had not cleared my back. They advised me they were moving the payment date to XX/XX/2019. The deposit cleared on XX/XX/2019 in my bank account. I logged into my LendingClub account to make a payment and found that they have blocked online payments. So I looked up in their help documentation where to send a check and sent them a check directly from my bank service. I then contacted them via email to advise that the check was on the way. They responding saying they will apply late fees, extra interest, and fees for processing a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
When Firstmark acquired my private student loan from XXXX, they changed the loan from a fixed rate to a variable rate. They have then raised the interest rate from XXXX % to XXXX % and rising. I have called Firstmark three times about this : - On the first call ( XX/XX/XXXX ), they lied and said that they had my promissory notes and were looking at them during the call, and that the loans were variable rate loans. I asked them to send them to me and they said I would receive them in 1-2 days. They never arrived.

- On the second call ( XX/XX/XXXX ), they told me that they did NOT have the promissory notes at all. Instead, they had ordered the promissory notes from XXXX and they would be delivered in 1-2 days. They still have not arrived. 
- On the third call ( XX/XX/XXXX ), they said that they did not have the promissory notes and they had no idea when or if they would arrive. They would not reinstate the fixed interest rate without the promissory notes. 
At this point, Firstmark has illegally converted my fixed rate loan to a variable rate loan. They refuse to reinstate the fixed rate or refund the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC
State: FL

Complaint narrative:
I sent two separate transfers to my sisters in XXXX via TRANSFAST. US {$500.00} each. I send it on XX/XX/XXXX and my bank was debited the same day. Transfast has not deliver the money to any of my sisters as of today XX/XX/XXXX TRANSFAST only answers automatic answers and no solution my money is lost. 

TRANSFAST references of both transfers are : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Cosmo Credit Repair
State: TX

Complaint narrative:
XX/XX/2017 -I CONTACTED THE COMPANY TO FIX MY CREDIT. I WAS CHARGED A LARGE DOWN PAYMENT AND MONTHLY PAYMENT FOR 6 MONTHS AND WAS GUARANTEED THAT MY CREDIT SCORE WOULD GO UP IF NOT I WOULD RECEIVE 100 % OF MY INVESTMENT BACK. I HAVE THE EMAIL THAT STATES THAT -TIL THIS DAY THE COMPANY HAS NOT AND THEY ARE GIVING ME THE RUN AROUND.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLS FARGO, BROUGHT ME TO COURT ON FORECLOSURE, THEY FORCED ME TO HIRE A LAWYER, WELLS FARGO SOLD MY MORTGAGE BEFORE FIRST DAY OF COURT, I SUED WELLS FARGO FOR FAKE FORECLOUSURE, AND FEES, THEY JUST WALKED OUT OF COURT CASE WAS DROPPED. 
XXXX MORTGAGE SCAM COURTS ARE ALL CORRUPT, XXXX MOST CORRUPT CITY IN AMERICA BY XXXX XXXX XXXX. NO LAWYER WILL SUE WELLS FARGO BANK

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 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Have told this company REPEATEDLY that I do not live on the XXXX coast and to stop calling me before XXXX XXXX. They continue to call me at XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank has charged late fees when I was not late. I have been paying early each month. Customer service said their system is set up in you pay before the cycle date when in the month they will and have charged me late fees. They have refunded the late fees. I was a lot old since I paid before the bill cycles date in XX/XX/XXXX, that I will have to pay another payment or I will be considered late again

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