BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On a complaint I submitted to the CFPB on XX/XX/19, about A hospital, XXXX XXXX XXXX XXXX, violating the privacy act by sending a detailed bill of procedures performed, as well as my full medical records, including XXXX XXXX to THIS third party collection agency, TRANSFINANCIAL COMPANIES. 
They responded by stating that They are " business associates " of the hospital. 
Which proves they are claiming the right to obtain my medical records. 
Under HIPPA, the only persons who are covered to obtain my medical records are PHYSICIANS for the use of TREATMENT. NOT for debt collection. 
Procedures are to be kept PRIVATE. 
Only BILLS with amounts, dates, names, addresses, and social security numbers ONLY, are to be shared for debt collection. 
They admitted that the information shared THROUGH MAIL, was protected under HIPPA. 
This is a CLEAR VIOLATION of privacy. 

I have already reported the hospital who sent my records as well as this company to the State General Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Got texts from American Express stating I had a card. Then a transaction taking place and to go to this website to login and check accounts : http : //americanexpresscardservicescardconfirmationcardXXXX   I instead XXXX American Express and was taken to a different site and then called them to make sure I did not have an account with them and reported it but they said it was not their problem in so few of words. So I am here hoping you actually do something. The website clears as a safe and reliable site from fraudulent website checkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: MO
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:
These inquiries were posted, and unknown to me, on my credit report : EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX/XXXX, XX/XX/XXXX. EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient was suppose to be trusted but all things listed below is what : created obstacles to repayment by providing bad information processed payments incorrectly overpay for their student loans ; harmed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: KY
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 have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

Experian : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX  : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : 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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In lew of my previous complaint with Bank of America, I called them yesterday to request a print out of all transactions from my business checking account ending in XXXX. They are aware that I am getting a case against them for stealing {$5100.00} by proving the debits they took out on the agreed amount of {$100.00} per month from XX/XX/XXXX to late XXXX. They will continue giving me the run-a-round. I have a right to the records of my checking accounts.

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX   continues to report the negative item on our credit reports.

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 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was questioning some information reporting on my credit report from XXXX so on XX/XX/18 I sent them a letter requesting more information this account for example statements etc. They responsded that what they are reporting is accurate. I'm sure they feel that way but I'm doubtful of all the data which is why i'm requesting the 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 2018-08-28
Company: HW Holding, Inc
State: HI
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  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made a second mortgage loan with XXXX XXXX XXXX. On XX/XX/XXXX, my loan was sold to XXXX XXXX  XXXX XXXX, and on XX/XX/XXXX, the loan became serviced by Shellpoint Mortgage Services. I was never notified that my loan was being sold to XXXX XXXX and serviced by Shellpoint. Shellpoint has a history of not sending statements timely, which led to my loan becoming late over several months. I spoke with Shellpoint numerous times to rectify the problem but no resolution was reached. Per Shellpoint, they use a third party to prepare and mail mortgage statements. I have done whatever I can to work with Shellpoint to keep my account current. I recently received a Notice of Default and Intent to Accelerate dated XX/XX/XXXX, and postmarked XX/XX/XXXX, stating an amount of {$300.00} was due within 45 days. I also received a monthly billing statement dated XX/XX/XXXX, postmarked on XX/XX/XXXX, stating total payments due was {$470.00}. Another statement dated XX/XX/XXXX, postmarked XX/XX/XXXX, stated {$480.00} was due. In the meantime, I had sent {$100.00} on XX/XX/XXXX and {$280.00} on XX/XX/XXXX. Neither of these payments were processed timely by Shellpoint. The {$100.00} payment was posted to my checking account on XX/XX/XXXX, and the {$280.00} was posted on XX/XX/XXXX. So apparently, payments are sitting at Shellpoint for a long period of time before being processed. From a phone call with Shellpoint on XX/XX/XXXX, I found that the remaining balance of {$100.00} would be coming due on XX/XX/XXXX. I have not received a statement for that amount. I asked to speak to a manager regarding these issues, and I made the {$100.00} payment over the phone, which now brings my account current. My problem is that I received a Notice of Default letter when it clearly looks to me like the problem is with Shellpoint not providing timely statements. To me, this looks like an unfair and deceptive collection practice. Also, Shellpoint is making harassing phone calls to me six times a day, after I have already asked them not to call me because my line of work ( truck driver ) does not allow me to answer the phone without the possibility of losing my job. I have also been charged a late fee of {$7.00} that I feel is unfair since the statement was postmarked AFTER the due date of the invoice. The account manager I spoke with today ( XX/XX/XXXX ) is aware that their account statements are not being sent timely, and told me they are " looking into getting statements sent more timely ''. This conversation with Shellpoint was recorded with recording number XXXX. As of now, my account it paid ahead of schedule, and I want to keep it current, but can only do so if statements are sent timely, allowing to make a payment within a reasonable amount of time before it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Frustrating!! My loan was transferred from XXXX. I set up bi-weekly payments and their condition was that I should have 1 month 's balance. I ABIDED. In 2019 XXXX, I made 1 month extra payment so that my bi-monthly payments go uninterrupted. Six ( 6 ) months later, my payments increased, I have different ACH amounts and worst of all, I have 5 months of late charges while they have me set up on ACH. LATE PAYMENTS ON ACH!! Unheard ... This is clear theft. I was on call with a manger for 2 HRS, and after all the explanation I provided, she did not have an answer and opened inquiry tickets. I highly encourage SLS to listen to the recording of the call ... I have explained every single issue and also summarized it for her ( listen last 10 mins to save time ). I can proudly claim that I have not had late payments with XXXX or any other loan ( touch wood ) ... .and here I have 5 late charges on ACH, erratic payments and no clear explanation. Someone needs to pull them up.

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 2019-02-13
Company: Avadyne Health Holdings, Inc
State: MI
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:
I received a cortisone shot on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX MI. 
I received the first bill from them in XXXX. I attempted to call to make payment arraignments but never made contact with a human. I left a message and never heard back from any rep at XXXX XXXX. I made my first {$50.00} payment XX/XX/XXXX with a note stating that I could not talk to a human and will make {$50.00} payments each month until the debt of {$540.00} is paid. I have done as promised. I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( not sure of the spelling ) to see about a reduction in the fees. She yelled at me that I must pay in full now when the debt total was down to {$290.00}. 
I received a call on my cell today from XXXX XXXX XXXX XXXX agency and a message was left but I deleted it erroneously believing that medical debt can not go to collections if payments are being made. Immediately after the call to my cell phone, I received a call at work. This is totally unacceptable. I did not get the woman 's name but she threatened to report the debt to the credit agencies if I did not pay in full. I told her I pay {$50.00} every month and to never call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase Account I want to close this account and withdrawal my money but you can't contact this site by email or phone they withdrawal money from my account with no authorization and overdraft myXX/XX/XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo I have two issues with my Business accounts for XX/XX/XXXX : - i ) They refuse to allow me online access to my statements as well as get paper statements for my business. They do it just fine for my personal accounts ( other Banks have no problem with this for business or personal ) but having spent hours on the phone, countless escalations they have failed to resolve my issue. 

ii ) They won't give me my full account number for my CD account. Would think we are legally entitled to this? Online it only shows last 4 digits, an online banking rep agreed to send statement with full account but again only last four digits shown. New banker tells me I have to go into branch with ID if I want it. I've told them if I have to go in it will be to close ALL of my business accounts and move elsewhere. Have wasted about 2-3 hours on the phone for this one too. Its as if they intentionally make it difficult so you can't close/transfer the account. Last time escalation went to corporate but phone was " disconnected ''

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 2017-12-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED. 

I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE. 

These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #. 

I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem. 

However, Fifth 3rd Bank does not allow me to provide my correct login credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on 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 explanation
Consumer complaint received 2021-04-08
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I saw on my credit report that I had multiple accounts adding up to the amount of XXXX. I wrote to the hospital and applied for financial assistance. I never heard back. It has been more than six months. The debt is in collections at Bull Financial account # XXXX BULL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I requested validation of the debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/ or medications received, but they also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing access to any such third parties having access to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please find attached my document, which i have mailed certified many times to Transunion, but unfortunately after many attempts, they are refusing to remove the suppression from my credit file, they have asked my to mail in letter because that is the only way to remove the suppression, but after each next day and certified mail, i have called and each time time they have mentioned they have not received my request as to remove the suppression, please i need you help to remove this suppression from my file, i am writing this complaint, because i need help. 
please have Transunion to remove this suppression from my credit file, since they are not being helpful in any situation 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 explanation
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One charged me an annual fee of {$59.00} on my XX/XX/2020 statement. They had my current mailing address, but they never mailed me the statement. Capital One subsequently charged late payment fees of {$25.00} in XX/XX/2020 and {$38.00} in XX/XX/2020 ( plus interest ). It wasn't aware of the annual fee or subsequent penalty fees until there was a delinquent payment indicator on my Credit Report. 

I contacted Capital One by phone on XX/XX/2020. I was informed that Capital One didn't mail me any statements because I opted out of paper statements in favor of electronic statements. This was impossible, because Capital One didn't have a correct e-mail address or a correct phone number on file. I updated that information during the call on XX/XX/2020, and I paid the balance due in full. However, the customer service representatives declined to remove the late payment penalties even though there was no way for me to have known ahead of time that I owed an annual fee during the month of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief