BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: USCB, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00},, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. 
Post previous complaint, I received a letter from USBC on XX/XX/XXXX noting that the Acc # XXXX XXXX had been requested for removal from my 3 credit bureaus in which it has been removed. However once again, they sent me HIPPA violating information ( attached letters ) for the accounts listed as follows : Act # XXXX {$510.00}, Act # XXXX {$10.00}, Act # XXXX {$40.00}. In addition, the accounts listed as Act # XXXX {$34.00}, Act # XXXX {$25.00}, Act # XXXX {$15.00} have yet to be verified. As such, I would need them to delete all information of these balances from their collection agency, remove any further action of reporting to the 3 credit bureaus, and cease all contact for the above noted accounts. 
*All documentation supporting previous complaint can be accessed from complaint IDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Case Number : XXXX In summary, I did a large balance transfer of {$15000.00} in XXXX because of the 0 % APR promotion. In XXXX I signed up for paperless statements and autopay. Each month for four years I paid the minimum amount due ( approximately {$230.00} - 250 ). 

On XX/XX/XXXX I got my FIRST email informing me my statement was ready. For four years I received no email on my desktop, laptop or XXXX notifying me my statement was ready. This email revealed my statement balance was over {$10000.00}. This seemed wrong. 48 payments X {$200.00} is almost {$10000.00}. The balance should have been around {$5000.00}. 

All of my bills are paperless statements. I receive at least a dozen " statement ready emails ''. Because I get so many I simply was unaware I was NOT getting one from Chase, ESPECIALLY since I stopped using the credit card in XXXX. Therefore I was completely unaware the 0 % APR had expired in XXXX / XX/XX/XXXX. Furthermore, I was told that I never would have received a letter from Chase informing me when the 0 % APR promotion ended because I enrolled in paperless statements. 

After explaining my situation to a manager he immediately gave me a 6 month interest charge reversal of {$810.00}. Anything more than this must be approved by the corporate office ( Chase Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX ). There policy is the onus is on me to prove it was there fault. 

In this situation I disagree with that policy because this is an IT issue. It's much harder to prove IT glitches. The first corporate mediator said a Alert History proved that a " Paper Statement Notification Created '' email was created each month successfully. That is the only evidence he needed to reject my complaint. He was not open minded to consider my reasoning that this matter was due to an IT glitch. 

I asked for an appeal and got it. A second mediator researched the matter. By now I had collected more information from Chase Customer Service. My hunch was the IT glitch was corrected during a system update in XX/XX/XXXX. This explains why I got an email alert dated XX/XX/XXXX. He did not contact IT to confirm this. 

He said contact my internet provider. I did. They said check my Spam Folder. If it wasn't a IT glitch I should have had approximately 50 emails ( 4 years X 12 months ) in my Spam Folder ( because I have the auto delete feature turned off ). Nothing from Chase was present. 

In XXXX when enrolling in Paperless Statements I also selected " All documents '' and " Notices and letters ''. For 4 years I never got ANY documents, notices or letters emailed. Assuming no IT glitch doesn't that seem very unusual? 

The second mediator denied my complaint for the exact same reason as the first mediator. He said all he could do was reverse 1 month of interest ( {$100.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: Mortgage Research Center, LLC
State: SC
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:
I recently filed for chapter XXXX bankruptcy and it was dismissed in XX/XX/XXXX. I have an open mortgage with XXXX XXXX ( VETERANS UNITED ). My mortgage was not included in bankruptcy, interest rates, payments, etc were not affected by the bankruptcy. I opened this mortgage in XX/XX/XXXX of XX/XX/XXXX and only 4 payments show on my credit report as being made. I have made on time, full payments for the past 2 years. The account is now reported closed as of XX/XX/XXXX due to bankruptcy. This account is open and in good standings. This account greatly impacts my credit score and my ability to purchase home in the future. I have tried to resolve this matter with the company with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I dont know who to get in touch with exactly but here is my question or need for your input. 
Around the second week of XX/XX/XXXX I called XXXX XXXXNavient to find out how much my loan would cost to pay off the entire loan. 
I was told {$34000.00}. I told XXXX with Navient that it would probably be around the second week of XX/XX/XXXX before they would receive the money. 
I was transferred to the Department of Education then and spoke to XXXX XXXX. 
I asked how could I get out of a payment, make a forbearance and she said yes and said the next due date would be XXXX XXXX. I told her the loan would be paid off by then. 
I received the money I needed to pay off the loan and sent a cashiers check to Navient on XX/XX/XXXX. It was received by them XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient saying they got an overpayment and needed direction on how to process it. The date on the letter is XX/XX/XXXX. 
I called Navient and spoke with a lady named XXXX. She told me that she didnt see where this letter was sent to me and after looking at my file she told me I owed them {$220.00}. 
I asked how that was since I just payed off my loan and she told me that is what I owe. I asked to speak to her supervisor and after a XXXX minute wait I finally spoke to XXXX. 
She told me that the reason I owed the {$220.00} was because I had 10 days to pay off the loan when I called and talked to both XXXX and XXXX XXXX. 
I explained to XXXX that neither lady told me I had 10 days to pay it off. 
XXXX told me that under the circumstances I still owed that money and it is compounded daily till I pay it off. 
My question is why do I have to pay Navient the {$220.00} when I was not told I had 10 days to pay it off and had gotten a forbearance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11
Company: I.C. System, 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:
Fraud & Improper use of my information

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 2017-11-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: CT
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 XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: FIRSTBANK PUERTO RICO
State: NJ
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 have contacted the XXXX Bank XXXX XXXX XXXX XXXX XXXX because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An unidentified person called the stores phone and had the assistant manager key in numbers and amounts on the register to fraudulently attain funds. 
1 {$400.00} Western Union tracking number XXXX XXXX {$600.00} Western Union tracking XXXX XXXX {$550.00} Western Union tracking numberXXXX the receiver of these funds gave the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Direct Recovery Services has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for XXXX XXXX XXXX for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is kind of a long story, but will try to make it short. In XX/XX/XXXX hired XXXX XXXX. Paid XXXX for 3 months, within 2 months had all paper work in for them to connect to servicer, but in XXXX there had been no progress, had to cancel. Tried to get money returned to me. but to no avail. I was so naive that hired another company called XXXX XXXX in XXXX XXXX sent documents and yet again out XXXX dollars because they did nothing to stop foreclosure. House was sold back to to servicer in XXXX. I had talked, emailed, called everyone I possibly could, then the virus shut everything down. I refused to give up, a few months later. Got a call and was given a forbearance for 6 months, thinking that they were finally going to work with me. Yet again was fooled it was just for them to by time to sell it yet again. knowing that i had year to get back. I do believe i was scammed and also think Dovenmuehle was duel tracking me with no intention to helping, because they checked my credit in XX/XX/XXXX that I just recently seen on my credit report. I also tried to get a lawyer on this, but was told the bank would just keep throwing money into the lawsuit and be able to win. Now today Iam faced with surrendering my home to someone that bought for cheap when it doubled in value and i have worked so hard for the last 7 years to get, destroyed my Credit have nowhere to go because I was given a letter 10-day demand possession. Thanks, I do have documents to back me up. You can reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold an item on XXXX and shipped it to XXXX using XXXX. The tracking number indicates that the item is located in the XXXX XXXX XXXX XXXX XXXX. I have documentation of the delivery and documentation from the buyer that he is refusing delivery to his residence. The item is at this address. Office Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX - XXXX XXXX Telephone Number. : + ( XXXX ) ( XXXX ) XXXX, XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian responded by saying : In your complaint, you indicate that a bankruptcy continues to report on your credit report. You are requesting the removal of the information. According to our records, the disputed item does not appear on your personal credit report at this time. 

But this is STILL showing up on my credit report. Experian please remove and send a corrected copy of it being removed. As of XX/XX/2021, this is still showing up on my credit report. I have attached a file so that you can see it.

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 2021-11-11
Company: EQUIFAX, INC.
State: PA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days after i have not received a response yet. I feel ike im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those ilems from my credit report it has been over 60 days so they should be deleled promptly. I demand these accounts be deleted immedately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax dala breach and may have gol into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017

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 2019-06-19
Company: EQUIFAX, INC.
State: TN
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:
I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND EQUIFAX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY  PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF EQUIFAX FAILS TO COMPLY WITH THE FEDERAL LAW. Equifax HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT EQUIFAX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received notice from XXXX Visa Signature card by mail on XX/XX/2019, stated they send me new card with a chip technology. 
I called on same day to the number, listed on this notice and reported that I never applied for his card and/or received it. 
Representative, named XXXX, checked and let me know, the account has multiple addresses, including P.O.Boxes, which I never had and the e-statement was sent to the email address different then mine. 
XXXX transferred me to Synchrony 's bank fraud department, to person who reveal only her first name- XXXX , who guaranteed me, that this fraudulent account will closed immediately and I should receive a letter confirming status of investigation within 7-10 days. 
I never received this letter from Synchrony bank. 
On XX/XX/2019 I received alert from XXXX stated that credit score got decreased due to XXXX Visa Signature card over-limited. 
I called Synchrony bank right away to the number listed on the alert ( XXXX ) and found out, that XXXX-the person from Fraud department didn't close the account and the fraudulent charges been continued to applied. 
This is outrageous negligence, which is damaging mine credit history and score. 
Please help me to investigate thoroughly and restore my excellent standing.

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 2020-09-25
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I just cancelled my XXXX XXXX and I did not know this was an optional service, otherwise I would have denied this service upon original charge. This is deceptive banking practices and doesn't even come up as a charge, but rather a fee on my statement. I would like to be refunded the entire amount I have been charged for this deceptive practice. It even says " PROTECTION FOR YOUR ACCOUNT! '' under this charge.

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 2021-08-05
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After Specialized Loan Servicing Stole {$2000.00} from my escrow account I made the decision to re finance in order to get away from them. 

My new mortgage company XXXX XXXX requested the loan payoff amount.

Specialized Loan Servicing sent a higher payoff amount than it should have been, Giving the impression that they are trying to steal another {$1100.00} from me.

Company response to consumer: Closed with explanation