BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Creditor did not provide in accordance with the regulations of the Bureau, TILA disclosures in obligor 's rights of rescission and appropriate forms H8 for the Obligor to exercise right to rescind. 
The Creditor was contacted by me stated they are not familiar with T.I.L.A.

Please assist in having Creditor uphold the T.I.L.A requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Pendrick Capital Partners Holding, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to  XX/XX/XXXX. XXXX then conference called XXXX at XXXX XXXX and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called XXXX XXXX back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client Pendrick Capital Partners. After receiving this information the last 3 times I called XXXX XXXX without any update on the status of the investigation I decided to call the original client Pendrick Capital Partners to check on the status of this investigation. I spoke with XXXX at Pendrick Capital Partners on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was 5 months ( XX/XX/XXXXXXXX behind on my mortgage and called PHH Mortgage company to resolve In XX/XX/XXXXi was told by their Rep to pay {$5000.00} by the XX/XX/XXXXor it could go into foreclosure. I called back on the XX/XX/XXXX and made the payment live directly thru their agent name XX/XX/XXXX.for {$5000.00} the next week in XX/XX/XXXXbetween the XX/XX/XXXXand XX/XX/XXXXi called back to verify the foreclosure will not go thru. I was told by their Claim manager XXXX not to worry cause no Foreclosure had started and they will stop any kind if it should happen cause my Payment took my account out of default. On XX/XX/XXXX i received a letter from POWER DEFAULT SERVICES INC, stating my account has been turned over to them from PHH Mortgage for foreclosure I IMMEDIATELY called PHH and asked them why my acct was in Foreclosure when i made the pymnt on XX/XX/XXXX and told my acct was not in Default. Rep. XXXX ID # XXXX told me they have to Investigate and apologize for the MisCommunication done on their part and that they have to pull tape to find out what happened. She told me that my acct was sent to Foreclosure on XX/XX/XXXX yet i was told i had til the end of XX/XX/XXXXand if that what she said is true the Manager should have seen in on the XX/XX/XXXX when he took my pymn and when i called back early XX/XX/XXXX. I looked on the paper the Foreclosure sent me and it state XX/XX/XXXX NOT XX/XX/XXXX so PHH is not being honest and took my {$5000.00} and now tells me they can not not do anything until the Investigation is done. This is very Unfair, Unprofessional and Sneaky on their part when i have done everything they told me i needed to do. Please help me resolve this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: NY
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 of fraud regarding an account called " XXXX XXXX XXXX  '' on my credit report. i sent a letter of fraud disclosing a form of the FTC REPORT # XXXX with a request to block fraudulent account as it states in the FCRA-605B and the company refuses to block or remove account from my credit report that is preventing me from receiving credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I had got a bunch of fraudulent charges on this account. The following are the dates and the amounts : XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$26.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$6.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$93.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$47.00} XX/XX/XXXX - {$60.00} I filed a dispute with American Express for these charges and went back and forth through multiple phone calls and faxed in declaration of fraud they requested. After numerous follow ups, they were not able to provide me with any information after stating that they would provide provisional credit while the investigated the claim. 

I never got any provisional credit and never got any calls back. Every time I would contact American Express they would not give me a definite answer and just kept going in circles. 

Finally they sent me a claim denial and would not provide a reason. Instead they said I needed to request in writing for a copy of reason used to come to this conclusion. I sent them a written request and got a response back that they did not have any information to provide. 

I have gone in circles and my fraud claim remains unresolved without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Upon disputing this record, EXPERIAN failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ph XXXX accXXXX, Im am a first time home buyer who have been victimized by M & T Bank. I was behind two months due to fixing issues to my home, M & T constantly harassed me to remodify my loan. I refused therefore the stated I owed money on my XXXX payment and simultaneously put my account into collections. The demanded that I pay an inflated amount of money and refuse to deduct the XXXX check. It is against bank policy to put an account into collection unless it is 90 days over due. Since then they have place my home up for auction and has refuse to right this wrong, please investigate. In addition The Dept of Financial Service of New your state has proof of my requests.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/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 2018-11-15
Company: United Group Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XX/XX/2018 As a first time auto loan seeker I went into United finance to fill out a credit application for a small loan to purchase a used car to get to and from school. When I turned in my paperwork I received negative feedback about being a address confidentiality program participant and at first was denied to proceed with anything. My older sister who has worked in a financial industry and came in with me tried to explain about what the program is and showed the underwriter employee a copy of our cards to explain why we do not have to disclose our address, and wanted to show the representative where he could find out more about this and quote it in the secretary of the states website but the employee deliberately cut her off and raised his voice that I would need to apply in a location closer to where our mail is forwarded in order to proceed. I am filing this compliant because my experience was not only of discriminatory nature, but also to help others from experiencing the same and in hopes that people in the financial industry take the time to really understand the regulations they try to enforce and to actually listen to the customers that seek their professional help. According to state law, no XXXX participant has to disclose their physical address and are only required to show their card in order to peruse financial services. It also my understanding that if they decline service they are no longer in compliance with the state law, therefore I am bringing this to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX, we purchased our home. bought it for XXXX was scheduled to be paid of in XXXX XXXX but to our surprise it is not. Bank of America is saying we still owe XXXX. Back in XXXX we ran into a problem with Nations Bank, we were 2 payments of XXXX, they sent our check back and said we were going to forclose on your loan. Tried to reason with them but to no avail. Contacted HUD to save our home. It took 10 months for a appointment for HUD to assign our mortgage. We meet with a gentlemen from HUD, in XXXX at the HUD office. At the beginning of the meeting we handed him a check for about {$12000.00}. Because we were told to still put your payments away, by the person on the phone that was taking our appointment. He said he did not want it, that he was recommending a Forbearance Agreement which means that you will make up the payments during the course of your loan. We were a little confused about it but at this point we were desperate for help. So we put the money into some remolding that needed to be done. To make a long story short, Bank of America offered a loan modification in XXXX to try to save our home. Only to be shot down on their decision, on a short sale of our home. They offered several ways they could help, and they picked a short sale, they said due to the Trustee and Guarantor did not approve a modification, because a affordable payment can not be created without changing the terms of your loan? We were just fine with our payments and told my case manager that. Refusing to budge, not even taking my payments, per my case manager, she said her hands are tied. Given no other option. No answers as to why this is owed. Been since XX/XX/XXXX, trying to get records of my payment history, ect. They are stonewalling me for the answers. Need help, but no help as of yet. the amount owed is about 1/3 of our original loan? Why? Have not refinanced or entered in a Loan modification at all, only up until XXXX of this year to try to save our home. This is very disheartning to realize after thirty years you could loose your home. If you need any documents to help with my complaint, there is a lot. I will fax to you at the time of request.

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 2019-04-09
Company: Navient Solutions, LLC.
State: TX
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:
Navient has been raising my interest rates. The rate was 4.25 for years. Now it is over 6 %. I asked to see a promissory note showing I signed a variable interest rate loan and they have yet to furnish one. I believe this company is raising my Interest rates un fairly now that I am close to paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 Delta American Express cards. I received a bill for an annual fee on one of the 3 ( the business account ), and called to cancel the card. They cancelled the card, but said they still had to charge me the XXXX dollar feel because I did n't call within 30 days of receiving the bill. I explained that I am very busy, that it was on my to do list, and I did n't get to it, until the time of the phone call. ( Aproximately 2-3 months ) after receiving the bill. They said they expected payment. Since then, the account has been closed but I get monthly bill for XXXX dollars for a service I have not used. I believe this is poor business practices, especially in light of the fact that I have 2 other cards with them and am a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX. 
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputed this debt since 2015. I have contact XXXX and ask for proof. Now I have contacted this current collection company, request for a contract and license information. I got a balance print out from XXXX  website and list of license for a lot of state but New Jersey.

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 2018-04-05
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I received a letter from Linebarger Gggan Blair & Sampson LLC Attorneys at law indicating per letter I owe the state of PA XXXX Since XX/XX/XXXX. 

I attempted to contact these people but no one answers the phone. The phone number on letter XXXX ext XXXX. 

I do not know what this is all about? And I want proof from the state of PA that I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical bill from XXXX XXXX XXXX from XX/XX/16. They never sent the bill to my medical insurance provider, XXXX XXXX XXXX, which they are legally obligated to per their contractual agreement. Since they are in-network they are required to submit the claim but they never did and instead sent me to a debt collector to try and get me to pay the full bill which I am not legally obliged to pay.

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 2017-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately

Company response to consumer: Closed with explanation