BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has tried to charge me services for a visitation that Ive never been to. I have never set up an appointment, made contact with this office, or had any relations involving this institution whatsoever. This is fraud and absurd how someone could randomly start charging me for something I have never received or have been serviced. Fix this issue please!!!!

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 2021-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to technical issues related with the electronic system of my mortgage company select portfolio servicing, the payments corresponding to the months of XX/XX/XXXX and XX/XX/XXXX were not processed or did not go through and it was when I called to make the payment corresponding to the month of XX/XX/XXXX when I learned about this inconvenient and I was able to mail the payments for those months. Due to these technical issues, payments on my loan number XXXX corresponding to the months of XX/XX/XXXX and XX/XX/XXXX are reflected on my credit report as 60 days late and is affecting my ability to buy a single family home to move with my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX  I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}

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 2021-11-03
Company: EQUIFAX, INC.
State: PA
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:
Instead of updating report to the correct amount and no late payments, they changed the amount of loan to XXXX XXXX dollars. Having me to re submit an additional dispute in regards to my XXXX XXXX bank account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX and Equifax are reporting a medical debt on my credit report from XXXXXXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, Equifax or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to close on my loan and the company is refusing to give me a payoff. I spoke with XXXX at Mr Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. They have indicated they have too many loans to be able to help me with my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX I lost my home with HSBC. I tried since XX/XX/XXXX to do a loan modification with them directly. they made me send in papers and fax over statements. in the end they didn't approve or help me at all. I had to lose my home to short sale at XXXX XXXX XXXX XXXX XXXX fl XXXX. I heard about the HSBC mortgage settlement. I called the number but they can not help me. I already moved to a new home XXXX fl XXXX. I need to know if I am eligible to receive a settlement from HSBC? thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NC
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 identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-06-09
Company: EQUIFAX, INC.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Entrata Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I submitted an application for residency at XXXX XXXX XXXX in XXXX, Arizona. Upon completion of screening done by Resident Verify , LLC, I was told that my application had been approved with conditions. After several attempts to determine what factors in my credit report caused the adverse action, I was given little-to-no information with the screening company representative simply responding with " we don't have that information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Navient Solutions, LLC.
State: CA
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 and my XXXX XXXX loans, both offered me a forbearance right after college in XX/XX/XXXX, because I was having trouble finding a job. They never mentioned that their was another option with the federal government called the repayment plans. I found out 3 years later in XXXX by a friend about the repayment plans. By this time thousands of dollars of interest had been accumulated. I feel that if I would have known about these plans it would have been a much better option and would have saved me thousands in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage XXXX/XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Received a letter dated XX/XX/XXXX that said the amount of flood insurance paid by our condo home owners association was insufficient ( but not by how much ) and that if we didn't amend the master policy or purchase one of our own or they would purchase one for me. I received this letter on XX/XX/XXXX. I called twice to get an explanation ( both calls recorded ) where the customer service rep would not put me in touch with the flood ins department and i was told both times the rep could answer my questions. The first call lasted over 20 minutes and the rep hung up on me and the 2nd call, the rep could not answer my question ( why did we need more insurance? ) and I asked to speak to the supervisor but the supervisor refused to speak to me. On XX/XX/XXXX I faxed ( and sent by certified mail ) a copy of our flood insurance policy and an email from our insurance agent explaining why our coverage was sufficient to meet the Flood Protection Act of 1973, I explained that we were disputing this and would like an explanation. 
I got an acknowledgment that the fax was successfully sent, but received no communication from the company acknowledging this. We received another communication on XX/XX/XXXX reiterating the terms of the first letter. I called to try and see if they had received our communication that we were disputing this need for additional insurance, but was told twice that their " system was down ''. I can not express to you the level of frustration we feel as a result from incompetent customer service reps that basically look up information in a reference manual to answer questions they know nothing about and refused to transfer us to the flood loan department and - the first time in my adult life - I was refused the opportunity to speak to a supervisor to get an explanation/clarification of our situation. I strongly ask for any assistance you can give us. 
Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Tuesday, XX/XX/XXXX, I reached that objective, and called Wells Fargo on XX/XX/XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep XXXX filed an Incentive Not Received claim and assured me that I would receive the bonus within the next 30 days. 

I called on XX/XX/XXXX to follow up on the bonus and was told by the representative that I did not qualify. I was transferred to her manager who spoke with an executive who also denied my bonus based on an overdraft on XX/XX/XXXX. I had met the qualifying threshold on XX/XX/XXXX. Also I had deposited money on the day of the overdraft and Wells Fargo reversed the overdraft and recalculated the balance the same day. 

I called Customer Service again on XX/XX/XXXX and spoke with XXXX. It looked to her like I qualified. She told me not to worry because the Incentive Not Received department was still investigating the claim and the people that I spoke with during the previous phone call were only representatives. 

On XX/XX/XXXX I received a phone call from XXXX at the Executive level and she told me I did not qualify because the qualification period was 150 days. In actuality, the bonus offer states that I was to be given 150 days to meet the threshold of $ XXXX for 3 consecutive months. I met that threshold on XX/XX/XXXX. She said that she could not override the decision already in place and there was no one above her that could override the decision either. 

I have received no written documentation regarding the bonus, my qualification status, nor the claim that was filed. 

It is obvious that Wells Fargo is doing everything they can to avoid honoring the Bonus Offer that encouraged me to open the account in the first place and which I qualified for on 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 2018-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I called my Bank CHASE to ask regarding the impact my pending transactions would have on my available balance displayed on the Bank App. I was told my pending transactions were already deducted from my account and even though the transactions show as pending they had already been debited from my balance. On XX/XX/2018 I checked my account balance on the App, to which my surprise was overdrawn. I proceeded to call the bank as I spoke to 2 different representatives and one supervisor I was given a different answer regarding pending transactions. Once you pay for services the bank takes the money out for the merchant to charge and even though the transactions show as pending If the merchant does not take the money out within 3 days the bank will put the money back into the account and the merchant is free to charge any time is convenient to them. Every time I have called including today XX/XX/2018, I have been giving different information and I was that even when is not technically my fault the bank will still charge a total of {$35.00} per transaction and the bank has only accepted to reverse one fee and will not reverse 2 more fees of {$35.00} each. The bank has charged multiple times for transactions that were charged by the merchants on the same dates XX/XX/2018. The bank representatives and supervisors I have spoken todo accept I am not at fault for these misinformation that has caused my account to be overdrawn but as I was told by the last supervisor " She couldn't do anything for me, that I should manually calculate my transaction. And that she was limited to do find a solution for this issue ''. The last supervisor I spoke to sent an email and my phone number to the previous supervisor I spoke to but she did not receive a response. I have been a customer of the bank for years and this has become a recent issue with my account which I have always kept with a good standing balance, not long ago I was also an employee at this financial institution and several customers would visit the branch to complaint about this very same situation. A lot of information is not being disclosed to the customers and money is being taken from accounts without previous warnings. 
I have also experienced not receiving cellphone alerts, delayed or no alerts whatsoever even though I have signed up for those alerts. Please help me resolve this situation. 
Best Regards, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter XX/XX/XXXX  Online Services and I referred to a Dept I owe something as XXXX XXXX XXXX with an account number XXXX letter is dated XX/XX/ in the amount of XXXX I have no knowledge about this account at all so I assume they have the wrong person okay Thank you have a blessed day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp opened an account without my authorization. I never contacted them or gave my personal information. I was sent a debit card for this account in the mail which is how I became aware of it. I have tried to call them several times but they wont answer. They keep directing me to their app but I dont want to claim the account since it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
CHIEF EXECUTIVE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Respondent XX/XX/2018, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, CONFIRMATIONS # XXXX ; # XXXX ; AND # XXXX.

Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX datedXX/XX/2018. A copy of your statement of report is enclosed.

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Confirmations # XXXX ; XXXX ; and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
Certified Mail Number : XXXX XX/XX/XXXX, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, FILES # XXXX AND # XXXX. 
Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX, dated XX/XX/XXXX and XX/XX/XXXX. Copies of the statement of reports are enclosed. 

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Files # XXXX and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.

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 2020-11-01
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year during this pandemic ( Covid-19 ), I sent a letter to debt collector regarding this alleged debt, and after 30 days I never received a response, because of that, the item was supposed to be removed from my credit report. This alleged debt is not mine and debt collector doesn't have proof that this debt is mine. A bill is not validation of debt. The validation letter I sent collector will be attached to this complaint. This negative information is affecting my credit report and is stopping me from getting a loan to support my family during this pandemic.

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