vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I have contacted Transfinacial Companies on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to Transfinancial Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with Transfinancial Companies and a itemized bill is not validating the debt. 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. Transfinancial Comapnies are in violation of the FCRA. I have attached the letter i sent as well as a itemized bill and Transfinacial Companies response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian added back student loan due to id thef -- stated i disputed in XX/XX/2019 with experian, i have not submitted a disuputed with XXXX or any other student loan lender in over 6 months or Experian these need to be removed as fraud i provided a police report before and now it is back

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 2019-08-29 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: VA

Complaint narrative:
The loan servicer is Firstmark Services. I had paid a significant portion of the estimated payoff amount but the servicer only credited six of the seven loans I had which resulted in a larger final payoff amount costing me additional interest. As a result a larger amount was debited from my account and I now have an overage. Firstmark states it will send me a paper check for the overage. 

Please investigate whether Firstmark 's actions are a systemic problem or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
A hospital in XXXX NY ( XXXX ) was trying to collect on a bill that was already paid. I never received a bill for {$280.00} from the hospital itself but was notified by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. 

I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. 

I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I have purchased a {$250.00} gift card for Google Play. I paid cash for the gift card yet google prompts me to upload an image of the gift card, receipt of purchase, and a picture of my ID in which I immediately do. We are going on 2 weeks and Google has tied up my money and not allowed me to use my gift card purchase. I am getting a Bureaucratic runaround and no evident action is being taken. Please assist.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I had a background check done with a company I am starting a position with. LexisNexis reported that I have a misdemeanor on my record! It was merely a minor traffic violation - a speeding ticket over 14 years ago! ( which should be expunged from record anyway ). 
It happened on XX/XX/XXXX. Court case # XXXX. Court disposition date XX/XX/XXXX. This was in the state of VA, I did not go to court as I was traveling from XXXX - visiting my sister, back to XXXX, XXXX. I paid the fine through mail. 
My ex-husband is a XXXX and even states this should not be listed as a misdemeanor, there was no criminal act or accident or damage done. It is a speeding ticket! 
I called LexisNexis on XX/XX/XXXX as soon as I was shown the record. I was transferred all around by non-english speaking reps and basically told thats what it shows and a dispute would take 40-60 days. This is for employment starting in 2 weeks and it is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
End of promotional period not communicated clearly and frequently on monthly payment reminder EMAILS. 

Purchases XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX/Commenity Card - same as cash promo. 

Commenity pushed to switch to paperless billing at the onset of the payments, which in turn sends out a summary email each month that it's time to pay. with my balance and min payment due. There is NO CALL OUT WHEN INTEREST FREE PROMO PERIOD is ending which is deceptive as you are now relying on them to summarize what you owe off the emails. They train you not to look at your statements with an easy to click Make a PAYMENT BUTTON. 

In smaller print ( if you scroll down on the email ) which I just noticed today. It says be sure to check when your promo period is ending to avoid interest. 

I had a surprise interest charge on my XX/XX/XXXX statement, over $ XXXX in interest. Had to dig through the prior statement on XX/XX/XXXX that the promo period was ending. This disclaimer to my suprise was called out in red, yet they did not call it out in RED on the SUMMARY EMAIL they sent to collect my payment. They need to provide more transparency vs. check your statements in smaller print out of sight lower on the screen. 

I have paid off the principal balance when I discovered this last night. The interest is left to pay. I am within the 30 day dispute period on my latest statement and have talked to 3 managers at Commenity today. Have asked them to continue to escalate until I can get resolved. They have stated they are following their policy and will not remove the interest charge. It was not communicated clearly and frequently in their topline email WHEN the promo period was expiring. Feel they could have been more transparent here so I clearly knew this each month vs. having to dig thru statements which they trained me away from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 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: NY

Complaint narrative:
Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, XXXX, Equifax, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Earlier this year ( XXXX ) my mortgage servicing was taken over by Specialized Loan Servicing, for a condo ( co-op ) that I bought in XX/XX/XXXX ( XXXX XXXX XXXX XXXX-XXXX   in XXXX, CT ). Since the start of my mortgage with XXXX XXXX XXXX XXXX in XXXX, my mortgage payment had been {$260.00} plus my monthly co-op common charges which have ranged from {$460.00} - {$82.00} ( currently ). These common charges include premium for insurance coverage for the condo. 

On XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( " SLS '' ) letting me know that my mortgage payment would now be increasing due to delinquent insurance bills since SLS " made an advance '' on my behalf for Homeowner 's Insurance. Keep in mind, that I have insurance on the condo through a master policy for the co-op condo. 

subsequent to that letter I have called SLS ( 4-5 times ) asking why is my mortgage, after 2 years, having forced-placed insurance when I already have insurance coverage through the master policy in the co-op. 

Furthermore, after 2 of the 4-5 calls, I uploaded the master policy documents ( from the co-op insurance coverage ) onto the SLS website to confirm that I already have insurance coverage. 

After those 2 times of providing my insurance information, I have asked to please call me to confirm that my information is sufficient. I have not received a call back to date. During those calls I also asked the individual on the phone to provide me with a document showing that I am required to have this additional insurance coverage ( condo rental insurance coverage ), which is beyond the coverage provided in the master policy for the co-op. 

After waiting for the documents to arrive - showing me proof that I am supposed to have this insurance coverage - I called SLS again asking when the documents will be arriving to resolve this issue. the person on the phone stated that the documents will be arriving soon ... they never arrived. 

Yesterday, I received yet another call from SLS 's collection department stating that I have delinquent payments. 

Bottom line is I already have insurance coverage through the master policy in the co-op, and SLS has not provided me with any proof of why I need to buy additional coverage, however, SLS keeps saying I owe for the premium on this coverage that I never agreed to. I have NEVER missed a mortgage payment on this condo, but I continue to get harassing calls on the insurance coverage that has not been explained nor have I received a document showing that I have to have this additional coverage. And again, I have owned the condo for 2 years, yet SLS, since they took over earlier this year, is now saying I need to buy additional coverage.

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank representatives and supervisors refused to tell my how would my payment to a credit card account be allocated ( purchases, balance transfers, etc ). They say that the allocation can only be disclosed top me AFTER I make the payment. They even refuse to tell me what will be the allocation of the payment part that exceeds the required minimum payment. 

I called TD Bank at : XXXX. The representative I spoke to identified herself as XXXX, her supervisors were XXXX and XXXX. 

The address given is : TD Bank Marketing Department XXXX. XXXX XXXX XXXX, Maine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
MY WAGES WERE GARNISHED BY FOSTER AND GARBUS. I WAS UNAWARE OF THE DEBT AS I WAS NEVER SERVED NOR DID GET ANY NOTIFICATION OF A DEBT. I UPDATED ALL MY INFORMATION WITH NYS AND I PROVIDED PROOF OF SUCH. I WAS NEVER NOTIFIED OF A DEBT TO SETTLE OR PAY. FOSTER AND GARBUS FAILED TO CONTACT ME AND FAILED TO EXPLAIN THE PROCESS. I WAS TOLD I NEEDED TO PROVIDE INFORMATION AND I DID. I WAS NOTHING BUT COOPERATIVE. THE AMOUNT AGREED ON WHICH WAS NOT A SETTLEMENT BUT FULL PAYMENT AS THEY DENIED A SETTLEMENT WAS SATISFIED AND THEY CONTINUED TO GARNISH MY CHECK. THEY REFUSED TO STOP GARNISHMENT EVEN AFTER JUDGEMENT WAS SATISFIED.

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 2019-08-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since the beginning of XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XX/XX/2019 Time XXXX XXXX called into XXXX unable to make contact with Equifax agent. XX/XX/2019 Time XXXX XXXX option 5 option 2 option 0 no Equifax agent available to talk with. Phone que requested caller to go to Equifax web site, nice run around with no access to Equifax site because of log in issues form the last two unresolved tickets opened at the Consumer Financial Protection Burau which were not resolved from Equifax support group.

XX/XX/2019 Time XXXX XXXX called XXXX Option 5 for Agent Time XXXX XXXX Went through all security questions again with Customer Support and informed Equifax Customer Service Representative about all the problems with not being able to log in to Equifax site, which has been going on for one month.

XX/XX/2019 XXXX XXXX Rolled over to Specialty Department. Went though all security questions again, on hold for many minutes, the person from Specialty Department seems to be having trouble with obtaining temporary password to reset with, on hold again, Now have been informed that the Equifax system is not able to give out temporary password. Informed from person from Specialty Department that the AT department has no time frame on when the Equifax system will be able to give out temporary password to log in with to reset password. Informed that this could take weeks or months before online Equifax At Department can resolve the issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I found that in XX/XX/XXXX Chase my mortgage company had not been reporting my mortgage payments. After alerting Chase, on XX/XX/XXXX Chase sent me a letter that stated they agree with me and they would begin reporting to the 4 major credit reporting agencies. Listing them specifically including XXXX. 
On XX/XX/XXXX, I wrote to Chase alerting them that my XXXX credit report in fact did not list them at all. XXXX XXXX, Executive Director with Chase, wrote back XX/XX/XXXX and essentially blamed XXXX stating " there's an internal credit agency policy that's preventing your account from showing up on your credit file ''. Chase advised that I contact XXXX. 
On XX/XX/XXXX I spoke in-depth to several departments at XXXX and they do not have Chase as a creditor that is reporting my mortgage payments. 
Despite me telling Chase that I spoke with XXXX, giving Chase a copy of my credit report showing that they are not listed and telling Chase that XXXX  suggested they call them, Chase has not called them or attempted to correct my report. Instead, Chase is deliberately not reporting and deliberately lying to me by continuing to claim that they are. Chase simply keeps telling me they are reporting although XXXX and my credit report proves differently. 

Chase has lied to me for 3 years by claiming they have been reporting. There are 18 years of mortgage payments that are missing from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX I deposited a check of {$1900.00} at the XXXX XXXX XXXX branch Wells Fargo. 

On XX/XX/XXXX {$400.00} of {$1900.00} was available in my account On XX/XX/XXXX remaining {$1500.00} became available in my account. 

From my understanding once the check went into my account that meant its cleared and ok to use. I did not know the bank put the money in my account without making sure the check was not going through correctly. 

On XX/XX/XXXX deposited item returned {$1900.00} leaving a balance of $ XXXX I tried to contact the bank and tell them and get help but the guy on the phone just kept blaming me over and over again and did not help at all. I lost all my rent money.

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 monetary relief
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with Trans Union, XXXX, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks

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 2019-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, Experian, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX  XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I received an email from Comenity Bank ( XXXX ) that my payment was coming due. This card was paid off on XX/XX/XXXX and I was told the account was closed. There were {$250.00} worth of charges made on the card on XX/XX/XXXX in stores in Michigan. I have not been to Michigan and have not given anyone permission to use the card ( because the account was supposed to be closed ). I am trying to resolve this matter with the company at the present time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

Company response to consumer: Closed with explanation