vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: CO

Complaint narrative:
I received a letter from Waypoint Resource Group. With an account number of XXXX. After speaking to their rep who was forceful I have verified that this account does not match my SS #. Although the name and address are the same it does not align with the most important piece to verify identity. In their letter they threaten to put this collection of XXXX on my credit report. I have advised them to cease and desist with all communication and collection attempts. I have also called XXXX and referenced their acct # XXXX and they are advising me that this account is closed and they can not even verify what services were under this account. Sounds very fishy to me. I am not liking that a collection company contacts me tries to collect a debt that is apparently not mine. I do not have an agreement or contract with Waypoint Resource Group and owe them nothing. Their idle threat of putting this on my credit report in 30 days is a straight and blatant violation of the FDCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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:
In the end of XXXX I noticed XXXX XXXX  showed up on my XXXX XXXX Credit Score under TransUnion. At that time, I reached out to XXXX XXXX  to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XXXX and XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact XXXX XXXX. On XX/XX/XXXX, XXXX  XXXX offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX  directly and I shouldn't have. I informed XXXX XXXX I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.

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 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC
State: AZ

Complaint narrative:
They keep contacting my work and family members phone numbers, threatening me with careers to find me at my place of employment if I do not call them back. ( The account is past the statue of limitations. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/19 my tenant bought a MoneyGram money order # XXXX. 
At WalMart in XXXX, Ny. 
Walmart transaction st # XXXX op # XXXX te # XXXX tr # XXXX The money order was printed incorrect. In words the amount was " XXXX XXXX XXXX XXXX dollars '', but in numbers {$430.00}. 

When deposited at my bank {$430.00} was deposited. 
The money order was returned, because of the printing error. 

MoneyGram investigated and I settled with them for {$430.00} less {$18.00} fee. 

I filled a complaint with WalMart, the following was their response : Question Reference # XXXX Dear XXXX, MoneyGram Money Transfer,  including Walmart2Walmart World, is a low-cost service that allows customers to transfer money from more than 4,000 Walmart stores nationwide to any MoneyGram agent for low cost and at competitive exchange rates. 

MoneyGram is a licensed money transfer operator. For more information visit walmart.moneygram.com, or for technical assistance or to check on a transfer, you can contact MoneyGram at ( XXXX ) XXXX. 

Thank you, Walmart Customer Care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I applied for a mortgage through XXXX XXXX XXXX on XX/XX/XXXX, 2019. At that time they contacted all three credit reporting bureaus to pull reports. Equifax returned the request and stated there was a Fraud Alert on my credit and I would have to have that removed. The other two agencies XXXX  and XXXX complied with the request. I was told by Equifax that I would need to send them a copy of my license and social security card. I did not have my ss card present so I was told I could send a copy of a W2. I faxed over my license and a copy of my W2 along with a request to remove the fraud alert on XX/XX/XXXX, 2019. I was told it would take approximately 7 days before the fraud flag would be removed. My bank tried unsuccessfully to pull credit reports from Equifax on several occasions with no success. 

Upon being contacted by my bank that they were unsuccessful, I contacted Equifax again today XX/XX/XXXX/2019. I was told that the fraud alert was removed on XX/XX/XXXX, but there was a discrepancy on my credit file and they could not disclose it to me. I asked what must I do for the bank to get a credit report and I was not given a clear answer. To add insult to injury the service rep, XXXX, hung up the phone on me. 

I am in danger of missing my closing date and loosing my earnest money deposit. Equifax has no right to hold my credit file hostage. I would like to lodge a formal complaint against this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I do not have dates currently but wanted a record of a formal complaint. I have since consolidated but loans but previously had them with navient. I was a student that they offered forbearance to and they did not speak about income driven payment until it was in the news. The cost of the forbearance was that it just about doubled my loans. The final number ended up being {$160000.00} and should have been around {$80000.00}. 

I would also send in payments weekly and noticed they were not allocating my payments correctly. They would claim it was a glitch in the system. Due to the way interest is added I will never know if all my payments were ever accurately fixed. It just felt wrong they were able to claim a glitch a move on. I am happy to provide any details in the event you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: CO

Complaint narrative:
I have had trouble repaying my studebt loans for quite some time, mainly because I had attended college and graduate school with the promise to have a high paying career, and I have barely been making enough to cover standard Bill 's and living expenses. This has led to reaching out to Navient  several times for assistance on my best options. Each time I have been directed to defer and I really didn't know better on how it would affect my total loan amount based on interest. Now my loan total has been increasing from this, and I am no closer to finding a job to reflect the education level I am in so much debt from. I feel like I have been given false promise on how I will be able to eventually make payments on my loans, mis directed on best ways to chip at my loan while trying to stay afloat with my bills, and even when i was making consistent payments before my last position laid off their sales team, I didn't see a decrease in my loan total, I just felt like I was only paying interest. I feel like I'm drowning with Navient loans and don't see a future where I make enough money to be free of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at Wells Fargo. All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? Wells Fargo told my only way back it refinance but I like my loan and want to keep it. 
What recourse does a consumer have in this type of indecent? There has to be something against mortgage companies selling consumer mortgage loan paper to unqualified companies.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX. 

We are writing you concerning the theft of our funds by SunTrust Bank and their wrongful damage towards our business credit score and my personal credit score. 

We have a SunTrust Bank Account. In XXXX of this year XXXX made multiple charges on our account which we did not authorize. This brought our account to almost - {$500.00}. 

We disputed these charges with SunTrust. 

SunTrust stated clearly to us that once the disputes were resolved the overdraft fees would be reimbursed to us as well. We were told this by three different SunTrust employees in their call centers. 

The disputes were finally resolved and ruled in our favor XX/XX/XXXX. We were informed of this today when we again called SunTrust 's support number and requested their Claims Department to inquire the status of the dispute. The representative at SunTrust 's Claim 's department even told us all the fees and been reversed, as that is standard protocol not on just for SunTrust but for all banking institutions.

I then requested the Claims Department representative transfer me back to the main Customer Service department so that I may stop receiving paper statements. She agreed and put me on hold. After some time instead of speaking to the Customer Service Department the same Claims Department representative picked up and informed me that SunTrust had not reversed the fraudulent overdraft fees as they were suppose to, closed our account without even reaching out to us, kept our remaining Positive Balance, and sold a fraudulent debt to a collections agency damaging both our business credit and my personal credit in the process! 


We at XXXX XXXX XXXX XXXX XXXX XXXX would have soon been eligible for loans to further our business. SunTrust has ruined our ability to do so. 

I am looking for a house for my daughter and myself. SunTrust has crippled my personal credit score as well.

Along with stealing our funds and closing our business account!

In addition to this we had been pre-approved for their Business Credit Card and had been told at their local branch where we had begun the application process that we would receive it after our dispute was finally processed!

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 2019-10-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I am involved in a loan where draws are administered through a loan consultant. The builder has created a change order that was not practical in his services. I informed the loan consultant, XXXX XXXX, that the builder is requesting more funds for his services because he reduced his bid upon closing. XXXX XXXX said he is not aware of anything going on. He accepted the change order and submitted it to the loan for payment processing. I do not feel his action were ethic in his practicing profession. 

Loan Consultant involved in this case. 

XXXX XXXX Federally Certified XXXX & Fannie Mae Consultant XXXX XXXX, XXXX. 
XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I took out a loan for {$3100.00} in XXXX XX/XX//2017. 

I have been taken to court for {$280.00} late fee. 

Threaten to take to court for {$70.00} partial payment. 

Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. 

This company needs a audit of their practice and tactics to strong arm. 

I have had my account t number changed two times and concerned that this company just wants to take folks to court. 

My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. 

Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
Around XX/XX/2019, I went to the hospital. 
I have, since XX/XX/XXXX ( it is now XX/XX/XXXX ), received two to three calls a day from a debt collection agency, demanding the money for a bill I was never given. When I said that I had not received the bill ( I received a bill from the hospital, but this bill was for the physician - I never received a bill from the physician ), the debt collector on XX/XX/XXXX said, " I can confirm the last four digits of your social security number are xxxx, and this debt will seriously negatively affect your credit if you do not pay us back by XX/XX/XXXX. '' I have felt threatened, harassed, intimidated, judged, and, because of my age and lack of knowledge, discriminated against. I have been bullied, and refused information. I have been told " should haves '' when I ask questions. I " should have '' been given a bill. I " should have '' been informed about the physician policy. 
I can't afford the should haves, and, most importantly, I can't handle the stress of another phone call with these horrible, disgusting people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: KY

Complaint narrative:
XX/XX//19 American first financial processed a payment without consent on a closed account ona card that was not on file. Then places me on hold forever stating they were trying to figure out what happened and didnt have an explanation. This is the fourth time that this has occured and I have a voicemail from then stating this issue would not occur again and it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello Help Center, I am requesting for help regarding an issue registering my account to view my credit score reports. I contacted the Social Security Administration earlier to see if there was an issue on that side regarding unusual activities or any false information. They could not detect any issues on their side as we were able to confirm all of the information. I am in desperate necessities to create and build a credit score, however due to this issue, I am trapped in a loop and can not access my information in anyway, to report back to my bank and be able to build a credit. Please contact me however possible to manually confirm my information and proceed with my credit reports. Thank you in advance.

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 2019-09-30 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: NY

Complaint narrative:
THE ACCOUNTS LISTED THAT ARE BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT WERE ADDED TO MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS ; IT HAS CAUSED TREMENDOUS DAMAGE TO MY NAME AND CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I was XXXX  because of a roommate for legal reasons and lease was broken because of it. Last months rent was paid and I was never contacted about any other collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
On XX/XX/XXXX Pheonix Financial Services sent erroneous bill with account numbers that have no association or permission from me to have been created. It lists XXXX of XXXX County as the original creditor for alleged ambulance transport that never took place. I never received emergency care during XXXX. 2 different account numbers are listed on the bill and I did not give consent to the creation of either one. It also lists XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the current creditor who assigned it to Phoenix Financial Services. I have made several attempts to have ALL 3 entities correct the matter to no avail. I have also requested a copy of the original contract with wet ink signature and no response. Injury has resulted from the inaccurate reporting placed in my credit file. I would appreciate this matter being resolved expeditiously. Thanks in advance and please forward to ALL parties named.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
No attempted to collect debt from me from company bc debt is completely false. Amount of {$500.00} on my collections and an account of {$1200.00}.

Company response to consumer: Closed with explanation