BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by a credit monitoring website that I had a medical debt that went into collections on and around XX/XX/. However I did not recognize the collection agency ( ARS Account Resolution ), the amount of XXXX, nor the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. It was supposedly for an medical emergency service but I nor any family member went to the XXXXXXXX XXXX this past year. Furthermore, I do not recognize the supposed location where this medical emergency occurred. I was not surprise to find out XXXX XXXX XXXX XXXX XXXX did NOT produce a website page result in a XXXX search. Next when I went to inquiry and reach out to the ARS Account Resolution, it became apparent to me that this was a complete fraud and was simply an attempt to defraud money for services that were never rendered. I am now very concerned that my identity has been stolen as this person/persons had sensitive information. It is unfortunate that there are people out there attempting to fraudulently steal money from people who may be vulnerable to these types of schemes. Please advise as this has completely ruined my otherwise excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The account I currently have with chase Bank ending in XXXX has been restricted without recourse and I have no indication on the release of funds. No information has been given and these funds are pertinent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to resolve the complaint with Marcus by Golden Sachs itself before I submitted the complaint to CFPB. However, I did not receive Golden Sachs callback as its agent promised. This is the reason why I submitted the complaint to CFPB on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  holiday, Golden Sachs called me back and disguised itself as it was addressing my CFPB complaint. 

According to my knowledge, they should respond to me through CFPB account. So I asked the agent what was my proposed solution. He just mentioned one of them, and told me that my request was denied. I questioned him what the other two proposed solutions I mentioned in CFPB complaints. He was unable to answer and transferred the conversation to his so-called supervisor. 

However, he recognized himself as the supervisor agent and his level is the highest level I could speak over phone. How can he transfer our conversation to his supervisor and have his supervisor talk with me? 

The processing way of Golden Sachs makes me feel they are trying every effort to fool customer and make customer accept their unreasonable solution. I have spoken to about 8 agents of Golden Sachs. Every time when the first agent can not solve my problem, the first one transferred the communication to the supervisor. Then the supervisor still had no authorization to solve the problem. The supervisor said a higher-level supervisor would call me back. But no one called me after their first-time promise. I called them again, they said they requested again. I confirmed and double check with the supervisor that I could speak to supervisors supervisor who have larger authorization during the callback. However, I received three callbacks but every time the three agents recognized themselves as the same level as the supervisor I talked to over the phone last time, no supervisors supervisor. 

Until last week, the agent disguised itself as responding to CFPB complaint, which made me frustrated and scared that Golden Sachs was such a big brand that they are lying all the time. 

I feel it is necessary to report their dishonest behaviors. Therefore I am writing to you, CFPB members, to ask you to investigate Golden Sachs to see if they disguise themselves as government agency to fool customers, as well as if they pretend to solve problems by just kick balls to other so-called supervisor agent, which is actually not a supervisor to defraud and play games with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my XXXX  and transunion credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports Transunion, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached

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 2023-08-09
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Im writing this today because i have had a credit card account that was closed by discover it. I had received emails that they could not properly identify me even with me giving them my full social and sending a picture of my license they said they still could not identify me. Whilst this was going on i could not activate my credit card so the account was actually never opened because of the identity problem the discover it company had. There was nothing else i could do to verify my identity and with them reporting a closed account had dramatically affected my credit score. I feel this is unfair i gave all the information they had ask to see I've spent hours upon hours on the phone with the discover it company and there was nothing else i could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-10-23
Company: Resurgent Capital Services L.P.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX major credit bureaus have this account on my credit and i haVE BEEN AT LEAST A YEAR OR MORE WRITING MANY LETTERS TO Them TELLING THEM ITS not MY ACCT, They refuse to help me or take the acct off my credit reports. 

LVNV {$590.00} XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX of last year I applied to the One-time student loan forgiveness debt relief. At this time it was with the XXXX XXXX XXXX XXXX XXXX owed {$6200.00} on my student loan. The didn't notify me that my loan was transferred to Edfinancial until XXXX XXXX. The service company Edfinancial sent an email on that date they were receiving my loan which was odd. because I paid that loan off on XX/XX/21. I applied to the One-Time student debt forgiveness when the application opened as a back up, because I honestly forgot whether or not it was paid in full. Then I log on to Edfinancial and the amount is still there in full as if I never paid it. I call them explain everything and even email them my bank statement that shows the payment. Their reply is that the application for the one-time student loan forgiveness was an application to reborrow the money instead of it being a forgiveness. Therefore since I applied the money was reinstated, they even allege they sent a paper check on last year, which is false because they didn't have my records til XXXX of this year. Its been close to a month since I sent them that information and they haven't got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX  XXXX, XXXX XXXX  XXXX  AND XXXX XXXX on XX/XX/, from both the consumer report and file associated with the XXXX  and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). 

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies. 

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records. 

Attached for your reference and verification are the following supporting documents : 1. XXXX XXXX XXXX  2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my consumer report, It is shown that XXXX XXXX XXXX is labeled as a collection/ Charge off. How can a Collection be a charge off? If something is a charge off then the debt as been satisfied. This is also a finance charge. In this case I have extended my credit to XXXX XXXX XXXX and they are the debtor. So how can I owe on something that I lent out in the first place? According to 15 U.S. Code 1602 ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person. In this case I am the natural person. Experian in this manner is violating the FCRA/ FDCPA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q. Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability

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 2023-08-03
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I hope this letter finds you well. I am writing to file a formal complaint regarding a recent experience I had with Collection Consultants of California and XXXX XXXX XXXX XXXX, which has led to an unjust demand for payment of {$1300.00} despite providing sufficient evidence that the bill was already paid. 
On XX/XX/2022, I visited the XXXX XXXX XXXX XXXX XXXX XXXX seeking immediate medical attention. At the time of admission, I provided my insurance information, trusting that the hospital would accurately bill my insurance company with the appropriate codes for the services rendered. However, to my dismay, the hospital erroneously submitted the wrong codes to my insurance provider, leading to the denial of coverage for the services provided. 

As soon as I became aware of the billing issue, I promptly contacted XXXX XXXX XXXX XXXX to rectify the situation. After several attempts on XX/XX/XXXX at XXXX I talked to XXXX and she assured me that she would correct the billing codes and submit the revised claim to my insurance company. Despite this assurance, on XX/XX/2022 I began receiving harassing calls from Collection Consultants of California, demanding payment for the outstanding balance. 

In response to their persistent requests, I provided Collection Consultants of California with documentation proving that the bill had been paid in full by my insurance company. 

Despite sharing all the necessary evidence, Collection Consultants of California continues to pursue collection efforts against me. They have even reported this alleged debt to three major credit reporting agencies, negatively affecting my credit score and financial well-being. 

I believe that this entire situation has caused significant distress, inconvenience, and damage to my financial reputation, all of which are undeserved due to the errors committed by XXXX XXXX XXXX XXXX and the unwarranted actions taken by Collection Consultants of California. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the practices of both Collection Consultants of California and XXXX XXXX XXXX XXXX. I seek your assistance in resolving this issue and having the erroneous debt claim removed from my credit reports. 

Enclosed with this letter, you will find copy of my insurance showing that I do not owe anything to XXXX XXXX XXXX XXXX. 



I hope that the Consumer Financial Protection Bureau can mediate this matter swiftly and ensure that justice is served. Please keep me informed of any progress made in this investigation and any actions taken to resolve the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: NVR INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2 Business days prior to close, XXXX. I was inform by voicemail and email that my closing was cancelled due to underwriting delaying my approval because of my occupation as a XXXX XXXX XXXX. My XXXX XXXX located XXXX Wisconsin for the last10yrs. I inform my loan office ( XXXX XXXX ) when I applied for my loan, that I was a XXXX XXXX XXXX. Subsequently, my loan was pass to others ( XXXX XXXX ) and ( XXXX XXXX ) and currently with ( XXXX XXXX ). All was aware of my occupation. I was uninformed that FHA Rule stating you have to live and work within 100 miles of your new home. I was instructed to quit my current job and move to Illinois to qualify for a FHA loan approval. I have been working with this company for the pass 2 yrs in hope to have the American Dream of owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened my Checking account with Wells Fargo in 2012. I was told that Bank will authorize my checking account only if I open 2 additional bank accounts i.e. Money Market account ( Don't know till date what's the purpose of this account even today ) and Overdraft account to get one Checking account opened, as I did not have any bank in USA before. 
I was never given explanation about the accounts but these 2 additional accounts were forced on me. At the time I was new to USA and just migrated to US from XXXX. I didn't knew much about the Banking system and accounts in States at the time and my employer was asking me to get the checking account to send me salary. I was asked to sign the documents blindly and was told that I need to maintain minimum balance to all the unwanted accounts, which I never requested but forced.

Since then I am maintaining the accounts by cutting my spend somehow. Even thought of changing my bank account to some other bank, but the pain I got to open one bank account has taught me bitter lesson, which make me afraid to even try for another 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 monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I entered in a Consumer transaction with American Express... I applied for the American Express XXXX XXXX... and was Denied. I was the one who initiated the credit.They use my Card card ( My Social security number )... Illegally ... accord To federal law, and it discriminatory. Please refer to the attached letter explaining my position. I sent this letter.. notarized ... and by Certified mail!

Company response to consumer: Closed with explanation