BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Medical Business Bureau
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was surprised to find on my credit report a debt in the amount of {$4500.00} from XXXX XXXX XXXX representing XXXX XXXX XXXXXXXX XXXX from a medical emergency in XXXX. I never received written correspondence from either XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. 
When I saw this on my credit report on Monday XX/XX/XXXX, I immediately contacted my medical insurer at that time, XXXX XXXX ( a XXXX XXXX XXXX ) and spoke with XXXX. XXXX checked their records and told me that XXXX XXXX XXXX never contacted XXXX XXXX requesting payment for services that were supposedly rendered to me on XXXX which were the dates I received medical attention. XXXX and I both tried to look up information online for XXXX XXXX XXXX XXXX and the phone numbers we found were both disconnected. 
XXXX did note however that XXXX XXXX did negotiate and pay for anesthesia services to XXXX XXXX. We made a conference call to XXXX XXXX which was recorded and spoke with XXXX in XXXX XXXX Billing ( Phone # : XXXX ). XXXX confirmed that the XXXX services I received was paid in full, and promised that XXXX XXXX would have this information removed from my credit report within 24-48 hours. 
When this did not happen, I disputed this information with XXXX on XX/XX/XXXX. XXXX has not removed this information from my credit report, siding with XXXX XXXX XXXX for unknown reasons. 
This is why I am turning to you for help, because I have exhausted all of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collection is attempting to report and collect a debt by XXXX that is not correct. the balance states I owe XXXX which is incorrect. My phone was disconnected due to non payment which was XXXX at the time. which was in XXXX, XXXX  in XX/XX/2022 an additional fees were added. The CS states that i will be credit. XXXX then stated the bill was XXXX dollars and the credit made it to XXXX. I never received a bill for XXXX and at the time my bill was only the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXValidate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

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 2019-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Morning, I have a complaint about my former second mortgage bank, Charter One, NA : Act. XXXX was discharged by Chapter XXXX bankruptcy proceedings in the XXXX  district of Michigan Bankruptcy Court, Petition No. XXXX, listed in Schedule D for secured loans. The house was appraised and found to be under water at that time. Court Register of actions shows that no other order was entered that addressed charter One 's mortgage. The debt was discharged. Upon attempt in to refinance my home, per divorce order to remove my ex-husband 's name, Charter One, bankruptcy department refused to strip lien, subordinate loan, and asked for payments. Manager, 'XXXX  , ' is now claiming XXXX is due the original amount was XXXX. She refused to put any request in writing. Myself, my mortgage broker from XXXX  XXXX XXXX XXXX, and a lawyer who no longer represents me contacted her via phone, mail, and email during XX/XX/2018 to present. She confirmed the loan was charged off. I demand Charter One strip the lien from my title, with no money owed as it is a charge off, as soon as possible. I would like them to email or send me supporting documents that this was done. XXXX XXXX XXXX XXXX, XXXX XXXX, mi XXXX thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently serviced through Rocket Mortgage. They offered me the foreberance program for Covid 19 releif. When presented, we were left under the impression that the foreberance program was a pause in payments, nobody from Rocket Mortgage contacted us to discuss what the program actually was. They did not pause payments, instead at the end of the program which just ended in XXXX, all payments during the forebarance became due. Not just escrow shortages for taxes and insurance, no every payment of almost XXXX because due, for a near total of XXXX. Both my wife and I are currently unemployed, we are both struggling with employment while taking care of our recently diagnosed XXXX son. Per my research... 

Fair Credit Reporting Act has asked servicers ( Rocket ) to consider the impact of COVID on borrowers situations, and provide flexibility where needed Rocket did not provide any information regarding COVID-ALM - this was a requirement per FHA To my recollection we did not receive a letter of NO LUMP sum is REQUIRED Rocket made it clear it was required to pay at the end of the forbearance, or sign up for a plan to repay immediately or we would go into default and take a negative hit on our credit report - even though we are waiting on XXXX in assistance Rocket did not send a letter to Borrowers ( us ) to sign and return about any loan modification options ( 30 days was required for our review ) Rocket did not provide any information to include additional months of total outstanding debt at the time of any mortgage modifications ( FHA requirement XXXX COVID-ALM would have fully reinstated the mortgage as follows : Must fully reinstate the Mortgage ; The COVID-19 Recovery Standalone Partial Claim amount includes only arrearages, which refers to any amounts needed to bring the Borrower current and includes : Mortgagee advances for escrow items ; projected escrow shortage amount ; and related legal fees and foreclosure and bankruptcy costs not higher than the foreclosure-related fees and costs HUD has identified as customary and reasonable. All Late Charges, and penalties must be waived. Mortgagees are not required to waive Late Charges, and penalties, if any, accumulated prior to XX/XX/2020. 

Borrowers have the RIGHT to request a covid loss mitigation assistance through the termination of covid national emergency - no information was provided by ROCKET Rocket did not provide any resources or assistance to support the reinstatement of the mortgage Applied and were approved for a grant which is XXXX to be sent to Rocket - Rocket did not provide any type of assistance after efforts were made to bring the mortgage up to date or extension options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I received a notice that the FTB was going to place a levy on my account. I called and left a email and spoke to someone on bank of america side to let them know I want to know who furnished my information without my consent> I never allowed any non 3rd party to furnish any of my information and to top it off. I did not allow or consent to access my bank of america account. So, I learned the bank of america and franchise tax board stole and furnished my information let alone offer and steal my id and come in and allow a collection agency to steal my funds. They said they took money that i owed. THERE IS NO MONEY and why are they impersonating me and allowing anyone to come in and take my property. I now can not pay my mortgage because I was a victim of theft. please reinvestigate as I am a living woman and I need my funds returned and I want to place a claim of fraud on Bank of America and FTB. Now my water is shut off because FTB and BOFA committed id theft and stole my credits and securities in my account without my consent. I need to be compensated and they are causing tremendous harm and I have been violated. GO get them and have them refund and pay for damages along with a full accounting ledger for the on and off ledger. I am stressed, mentally screwed up, and I want to press charges for ID theft.

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 2022-09-14
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
opened a checking account with chime XXXX and made 3 deposits totaling XXXX. 
also on XXXX i made a reservation with uhaul to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. 

I want the deposits returned and the account closed. 
thank you to whom ever will be investigating this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: KEYCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX : Received email from KeyBank, who issues a pre-paid debit card pertaining to child support payments made to the Alabama Department of Human Resources ( DHR ) Child Support division, about " rewards expiring. '' XX/XX/XXXX : Received another email from KeyBank stating it is my " last day to redeem your rewards! '' XX/XX/XXXX : Called KeyBank ( XXXX ) to confirm card ( which expired XX/XX/XXXX ) was cancelled. Told by XXXX ( KeyBank ) she could not close the account as the AL Child Support needed to make that request. Asked to speak with supervisor. Spoke with XXXX and she recommended I call XXXX  XXXX, gave me the XXXX phone number ( XXXX ) and said she hoped I could resolve the issue. 
XX/XX/XXXX : Contact XXXX  XXXX to request closure of card. Told they no longer do business with KeyBank and would not be able to contact KeyBank to close the card. Stated the card is in my name and I need to close it. 
XX/XX/XXXX : Contacted CFPB to ensure that KeyBank is required, by law, to close the account at my request since the card is in my name and uses my information to retain that card and spoke with XXXX. 
XX/XX/XXXX : Contacted KeyBank, spoke with XXXX, who escalated my issue and said I would be called back within 24-48 hours. 
XX/XX/XXXX : XXXX, a supervisor from KeyBank, called and he said he is unable to close my account due to the company policy that XXXX XXXX will need to make that request even though the account is in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
***THIS IS URGENT!!!!! **** I submitted a prior CFPB complaint against XXXX XXXX to have my account information corrected on my credit report to correct the payment history to reflect NO late payments, as a 30-day payment was being reported for XXXX, 2020 that was not correct ( on Equifax ) XXXX Per the company 's response ( attached hereto ) they confirmed the inaccuracy and claimed to have submitted the information to correct the error to the credit bureaus. However, when I pulled my updated credit report instead it now shows WORSE information instead ... .a 60-day late instead and no correction made for the first error as agreed!!!!!!!!!!!!!!!!!!! As I previously stated, I am in the process of purchasing a new home and this has created serious issues with my loan. I am now being denied because of this continued error!!!!!!!!!!! This is completely unacceptable and I need this fixed CORRECTLY immediately as I was told in writing would be done by XXXX XXXX XXXX, Manager of Customer Service w/XXXX XXXX! I am not sure how such a serious error can be made on someone's account, but this has to be rectified immediately as this is causing me serious financial damages at this point. I have NEVER made ANY late payments on any accounts with XXXX XXXX and I need ALL credit bureaus to reflect this accurately. Currently, Equifax is now showing a 60-day late payment per attached report!!! How that is even possible, when it was only 30 days late before for the same month! Suddenly, now there is NO 30-day late, but a 60-day late????????????!!!! Ridiculous. I do NOT have 60 days for this to be corrected due to my loan in process. I need this correction submitted immediately and the XXXX # s provided to me. I also now need a written letter from Freedom Mortgage admitting to this error for my current underwriter, as they now feel I am not telling the truth and need documentation in writing from XXXX and a corrected credit report showing NO LATE PAYMENTS!!! I have never in my life seen such complete negligence. I have spoken to an attorney regarding this and will be retaining legal representation if this is not corrected within 24 hours of receiving this complaint. I can not wait any longer, as I am in the process of obtaining financing for my home purchase. Please understand the seriousness of this matter and rectify this promptly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New loan closed in XXXX with 3 errors posting in my account. After communication and complaint filed with cfpb, CrossCountry Mortgage corrected 2 errors and 1 remained unfixed. Upon reviewing investigation letter from CrossCountry Mortgage Servicing, I sent out a new notice of error on XX/XX/XXXX. Prepaid interest paid at the closing, in the amount of {$130.00} USD was entered into CrossCountry Mortgage system ; however, this amount was NOT included in monthly statements since XXXX. I later received 2 letters from CrossCountry Mortgage Servicing, stating a response will be provided to me by XX/XX/XXXX. Yet as of today XX/XX/XXXX, no letters were received. Enclosed here are letters of correspondence, most recent statement, general loan information, loan activity, and CD to show the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to XXXX, XXXX, and Exquifax, respectfully. I have been sent a reply from Equifax, and XXXX stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from XXXX in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, Equifax, and XXXX have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
My personal credit card with BB & T was either sold or transferred to Truist bank. Despite numerous emails and letters in the mail notifying me that I would be receiving a new " Truist '' replacement card in the mail, that never happened, I never received one. 

Starting months ago, I began calling, requesting that card, on more than one occasion I was notified that the card would ship within " 7-10 business days. '' However again, that never happened. 

Today, again for the fourth time, I contacted Truist. This time I was told that my account would be closed and no card would be issued to me because of a " past delinquency. '' There has been no past delinquency. I have never been delinquent on this or any other account. When I pressed the representative further, and asked, " when was this delinquency? '' She told me, " well we look at non-use as delinquent. '' This of course was very surprising to me in several ways. 

I haven't been able to use my account because they have never sent me a card.

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