BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/18 I called XXXX XXXX XXXX XXXX XXXX XXXX   at XXXX XXXX XXXX concerning a previous medical debt. I had not received ANY statements from XXXX  and wanted to know what the status was. I spoke to XXXX, Supervisor and asked about the debt. She said I owed money. I told her I never received statement and wanted verification of the debt. She replied that since I called that showed I was aware of the debt. She said I needed to pay in full and if I didn't they would report me. I told her that I hadn't heard from them in months and now I have to pay in full for a debt I'm not fully aware of? Our conversation became heated. I said that I would pay the debt in full right now. XXXX refused to accept payment. I had to call later that day. I spoke to XXXX. She accepted payment in full for {$99.00}. I received a letter from XXXX noting the recent payment but for the wrong amount. The amount I paid is {$99.00}. The letter reads {$40.00}. This account has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly house payment with I believe, 4 or 5 mortgage companies so far, was {$1200.00}. I always have the mortgage company " draw '' the funds from my bank. I have never been late on a house payment in nearly 20 years!! 

On XX/XX/2018 Freedom Mortgage sent me a check returning " excess escrow '' funds in the amount of {$180.00}. I immediately returned their " unendorsed '' check to Freedom Mortgage, explaining I will ALWAYS return excess escrow amounts back to my Escrow account so my house payment does NOT increase. They returned the unsigned return of escrow funds check, saying I had to endorse the check. I endorsed the check and paid the extra to be able to track the check, as it was endorsed making it negotiable. Freedom Mortgage increased my XXXX payment by 9 cents. I wrote and asked why the increase when they have an excess of funds and they sent me an unsigned letter saying they would research. I never actually received an explanation. Then, I received another return of Escrow funds check dated XX/XX/2018 in the amount of {$160.00}, and a statement telling me they were increasing my monthly payment to {$1200.00}. Please understand, I phoned on each of these checks and was NOT given any explanation other than I had too much money in my escrow account. I was NEVER allowed to speak to a Supervisor or Escrow Account Employee. I again returned the check, of course " signed '' and track-able with another letter stating I will ALWAYS return excess escrow. The next letter I received was again UNSIGNED stating they would research my concerns. I am a XXXX XXXX, retired, fixed income. home owner. Every penny counts in my life. I have recently had a number of unexpected costs as well as expensive health issues. I am being unfairly treated by a company that does not even sign letters or give me anyone to speak with regarding their unfathomable, explanations. Their increase of {$3.00}, totals in a year, {$40.00}. The last excess escrow funds check I returned was in the amount of {$160.00}. In my life, especially now, every penny of my monthly expenses affects how I am able to live my life. Please help. 
Sincerely, 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 2019-09-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent an affidavit to the company National Credit System and have yet to hear back from this company. I have filed several disputes with XXXX and have not received why this is still on my credit report. This is a fraudulent account and does not belong to me. As I have explained several times my wallet was lost with my ID and my social security card inside. I have been trying for months to clear up the damage that this mishap has caused. XXXX  /national credit system continue to not correct and removed this item from my report. I have done all that was asked of me from National Credit and they have not even responded back to me. XXXX continues to not remove or even explain why this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Exeter Finance Corp.
State: NJ
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:
On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. 

XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. 

On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced.

I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. 

If you can not provide this simple document then you must delete this inquiry. 

Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect in a bill not owed I XXXX XXXX do not have a contract with XXXX XXXX and only time I had XXXX XXXX I had a prepaid account meaning I paid upfront for internet services and if I dont pay I dont have internet This collection been on skin off 2 times and put back on with different companies I dont not have a contract with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Allgate Financial, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was able to check my credit report today and see that this company JH Portfolio is reporting information inaccurately on my report. As you can see with the attachment below this company has purchased A debt from world finance. Showing the last activity date on the account to be  in XXXX. This was A fraud account that I did not authorize and when I spoke with world finance in regards to this they informed the last activity date for the account was XX/XX/XXXX which means the account should not be showing on my credit report after the 7 years. I reached out to this company by mail and have not heard anything back. When I spoke with world finance today ( XX/XX/XXXX ) I was informed to contact A corporate number which I did and left A message but no actual person to speak to. I would like the misinformation completely removed from my credit report as it is illegal to report inaccurate information. If needed I can provide A copy of my credit showing the dates that this company has been actively reporting. I also asked that this company provide me with debt validation. This should show my signature and DL agreeing to such debt and also the date of the transaction will reflect that it was not the reporting dates that this company is reporting. After seven years in Texas it is illegal to report such accounts and it is illegal to report inaccurate information. World finance informed me that the company may be reporting the day that they bought the account. Which is also illegal because they aren't reporting accurate information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contact chase bank to do a balance transfer to pay off my other credit cards and they are unable to do so and they told me that the promo is discontinued on XX/XX/XXXX and I have to wait for long time do so and Im little behind on my other credit cards bills and I would need to do a few smaller transfers and I will pay the interest along with it and chase refused to honor my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've recently filed a fraud complaint with Navy Federal Credit union for the amount of {$500.00} and some change. Not even a day later, they deny it and let me know i'm responsible for the full amount when I didn't authorize ANY of these transactions. I've also reached out to them twice online, and once in branch to block a transaction that keeps trying to pull {$100.00} out of my account EVERY SINGLE PAYCHECK. The fact that Navy Federal isn't allowing me to block a company that continues to pull {$100.00} out every paycheck is alarming. The second fact that Navy Federal isn't thoroughly assisting members with their fraud reports is another alarming thing. This bank has grown to hit me with SHADY tactics since my bankruptcy has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. 
XXXX  and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX XXXX XXXX for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted XXXX  on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX  how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and XXXX have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Kevin B. Wilson Law Offices
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from Kevin B. Wilson Law Offices XXXX XXXX XXXX XXXX, Tennessee XXXX This to the best of my knowledge this is a fraudulent claim. I attempted going through their website, through Email, Phone All reach to a dead-end. Unable to contact them. 
Letter sent to them asking for a detailed itemized bill, had no response. 

I believe this is a deliberate attempt to defraud by the hospital and the collection agency that is representing them. They have been paid in full for the services ( XXXX billed excessively, and unnecessary services ). They have a contract with my insurance company, and they are charging beyond that allowed by their contract. 

XXXX Hospital has made it a routine practice to charge beyond their insurance contract allowable amounts and adding XXXX fraudulent and medically unnessary tests and services. They refuse to provide information on the charges THIS IS A FRAUDULENT BILL AND AN ATTEMPT TO COLLECT BY HARASSMENT. 

if this is a legitimate bill, they should go to small claims court or other legal avenues. 
I am unable to contact them by Email, Phone and by mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I disputed Portfolio Recovery with the credit bureaus and sent them the verification that they sent me, which was not a signed contract. The bureaus keep saying the collection meets FCRA requirements but how is that when I have NO CONTACT WITH THIS COMPANY. The sent me a billing statement but no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dynamic Recovery Solutions is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX XXXX XXXX. I'm not familiar with them either. 

If I have no written contract with Dynamic Recovery why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation.

I have sent a letter directly to Dynamic disputing these charges and account a week ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX ( XXXX ) had not sent me invoices for over 6 months. They sent me one statement in XXXX, XXXX. I immediately paid {$320.00} on XX/XX/XXXX. Three days later I received a notice from Trident Access Management staying my XXXX  account was sold to them and stated balance was {$510.00}. That was incorrect as I paid XXXX {$320.00} on XX/XX/XXXX. When I called XXXX ( XXXX ) they said my account was sold on XX/XX/XXXX and payment of {$320.00} was in transit to Trident. I requested Trident remove derogatory information from my credit report as the information was wrong. They refused and stated they had not received the payment. One month later, I called back chasing this {$320.00} that was lost. I spoke to both billing reps at Trident and XXXX. They participated in a 3 way conference call. XXXX and Trident reps went back and forth saying the payment was sent but Tirdent saying they never received it. Requested how the payment was submitted to Trident and XXXX could not provide stating may be delayed due to Covid-19 and delays with mail. I argued it would not take over a month to get mail. I asked both agencies to halt reporting on my credit report and said they couldnt do that and I could file a complaint with the breau instead. It has been two months of being placed on extreme long hold wait times trying to chase this payment when my account should not have been sold to begin with. I am submitting this formal complaint as the balance owed is {$190.00} and has been paid. The {$320.00} is still out in cyber space and no one is willing to take the time to provide me with details of how XXXX submitted the payment to Trident on my behalf ( electronic or manual check ). I would like to request this derogatory information be immediately updated on my credit report. Incredibly frustrating that no one is taking the time to help me track down this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a BMW XXXX for my company at XXXX XXXX BMW of XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. But, the service company is BMW Financial Services NA , LLC. The lease period is 36 months ( XX/XX/XXXX to XX/XX/XXXX ). I prepaid {$30000.00} at the beginning of the lease, and the monthly payment is {$400.00}. This SUV was totaled because of an accident on XX/XX/XXXX. 

I have paid the total amount is {$35000.00}. ( Prepayment $ XXXX months ). The total payment ( contract amount ) for 36 months at the end of the lease is {$45000.00} ( Attachment 1 ) The payoff amount of my BMW account is {$48000.00} on XX/XX/XXXX, ( Attachment 2 ), and the insurance settlement amount from the total loss is {$70000.00}. ( Attachment 3 ) So far, I finished all my liabilities depending on the lease agreement. I asked the BMW XXXX to refund me {$19000.00}, which I prepaid and BMW FS didnt service, but BMW XXXX refused. They only offer a {$10000.00} ( 50 % of what I deserve by the payoff method ) Loyalty Payment Credit with many unfair terms.

-- -The Loyalty Payment Credit amount can be up to 50 % of the amount remaining after subtracting your contractual Lease payoff from the insurance settlement resulting from the total loss. The Loyalty Payment Credit can not exceed 50 % of the total monthly payments on the new lease or finance agreement. ( Attachment 4 ). 

This offer is unreasonable and unfair. What is the offer based on? Why is it up to 50 %? The offer also asked customers to use the Loyalty Payment Credit for 1 year with monthly use limited. Whats the interest rate? What can customers do if the customers dont want to lease or finance the vehicle again? BMW XXXX forces the customer to accept this unfairness. 

So I rejected this unfair credit offer. 

I tried to discuss this with BMW FS by phone. I also tried to solve this problem through XXXX The BMW FS still refused to refund the money I deserved. ( Attachment 5 ) I replied to the XXXX about why I rejected the BMW FS. ( Attachment 6 ). And XXXX said they couldnt solve it and recommended CFPB.

I hope BMW FS can refund {$19000.00} the money I deserve soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is attempting collect a debt not owed after the account was cancelled. Credit bureaus failed to verify and provide proof debt was valid. Sent letters to credit bureaus in 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 non-monetary relief
Consumer complaint received 2019-02-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge for the amount of {$690.00} appeared on my credit card statement on XX/XX/XXXX from XXXX XXXX. I have purchased a ticket from XXXX XXXX that day but the charge should have been {$340.00}. I called XXXX XXXX multiple times and I spoke with agents at the airport and XXXX XXXX insisted that they charged the right amount of {$340.00}. I filed a dispute with citibank ( the card issuer ) and provided all documentation. The bank inquired with XXXX XXXX and the airlines provided documentation showing the fee is {$340.00}. The bank is refusing the credit my account for the difference. They are asking that I resend the document that I already provided and they acknowledged that they received them. If somebody from citibank simply reads the documentation I provided and the documentation that was provided by XXXX XXXX they will see that the amount should be {$340.00} and not {$690.00}. CitiBank has all the documents that I attached to this dispute.

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