BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they were for patient XXXX, my daughter, I sent some of them to my x wife as per our divorce settlement. I also visited the XXXX office near me that I used to use, and asked for an explanation and was told I owed nothing. I always paid when I went to the doctors, as is their policy. I then paid in full if I owed them. 
In XX/XX/XXXX, my daughter XXXX started XXXX XXXX and saw XXXX XXXX XXXX   near XXXX, MI where I live. It turned out to be a different XXXX XXXX office. They found my name and began to hound me for their money. 
XXXX XXXX, who wanted their money, and XXXX my x wife both ignored my plea to do things properly. 
So a few months ago I got a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for an amount {$50.00}. The original bill was {$30.00}. 
*see original letter ... 
I responded by sending them a letter protesting the debt and asking for clarification. 
*see Creditor ... 
I asked for clarification. Who was treated? When? Where? For what? I Got a response dated XX/XX/XXXX. I don't know if I got a verification of claim, and I saw no copy of judgment against me. 
*see reply cover letter and replies 1 through 9. 
I noticed XXXX was listed as a patient, though I never took her. I also noticed that suddenly I was the patient. 
After my letter asking for clarity, I got this from XXXX XXXX dated XX/XX/XXXX for {$30.00} again. 
*see Latest bill Now I was the patient, and still no service date or expense accounting information. Even worse, two groups were asking for a different amount of money for the same service. Somebody decided I was more likely to pay I suspect. 
Since I was actively trying to correct the problem, I was totally unprepared for collection. I expected my x wife at least to pay. So I have no old bills. I thought the problem was being solved. 
Those bills I did not forward were tossed as useless paper. 
The XXXX XXXX XXXX XXXX, XXXX, says this happens alot, and they are interested in what the CFPB would do. The Motion for a referee costs {$100.00}. I've asked not to be charged. So I will pursue if its free there. The problem is over a year old so a judge must now sit in through a referee. 
Now since XXXX XXXX has lied about who was treated, and XXXX XXXX. will either ruin my credit, or garnish my check, I'm getting scammed. I do not owe any of them money, but they want it otherwise for some reason. 
So I'd like some help, please. It's not alot of money, but I shouldn't be getting bullied by them for it anyway. 
Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. ( holloway collection services ) I do not recall giving permission to XXXX XXXX center for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
We had a leak from our roof and the insurance company sent a check in both my husbands name and mine, I checked to be sure I could do a mobile deposit that the check amount was not too much and it wasn't. We both signed the check and I deposited into my bank account and got confirmation that it was accepted. The next day the money was gone and we are talking $ XXXX. I called Bank of America and was informed it was the insurance company. When I got to work, I called the insurance co and they said it was not them. I called a local branch of BOA and was informed it was because my husbands name was not on the account. We made an appt and went down that day to add his name. We were told we had to wait for a letter in the mail and then come back down. This was about 4-5 day delay. We received a letter from BOA and we went immediately to the bank and was then informed it was not the letter that we would get another one. No way we were told there would be 2 letters. In the meantime we had the roofing contractors here as weather was changing and we were trying to work in between rainy days. I had to go take money out of my account ( this $ XXXX was not back yet ) and get a cash advance on my credit card. I had no other choice as the contractors had to get paid. It was later remembered that I did a mobile deposit so there fore I had the check and then I was told to come back down to redeposit it. I could have done that a week before but they told us I had to wait for a letter. I don't feel I should be penalize {$160.00} cash advance fee when all of the errors were committed by employees of BOA. It was one error after another. They never sent me an email or text stating why the money was removed. All it said on my account was amount correction. I get text and email alerts on transactions of less and this should have been a phone call. I have tried to talk with BOA branch employees and they tell me its the credit department that has to waive the fee. When I called the credit department they said it was a legitimate charge that they did not make the error but I said you are all BOA employees so I still feel the charge should be removed. I want this account closed but I am not paying that fee. I already paid back the cash advance so this fee is the only thing on the card.

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 monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$850.00} XXXX XXXX {$800.00} XXXX XXXX {$460.00} XXXX XXXX {$720.00}

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 2019-06-17
Company: CITIBANK, N.A.
State: LA
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 a credit card with CITI. CITI decided to convert the card months ago from a VISA to a Mastercard. I just found out that the conversion is still not complete and that they have been showing a balance on the account as twice the actual balance - as if the old card and the new converted card both hold my balance. This has negatively affected my ability to get additional credit from another company. I discussed this with CITI twice and they have confirmed that my balance on my credit score shows up as twice the actual balance and will continue to show up that way until they finish the card conversion I never requested. If this is affecting me, just think of the number of unknowing customers this is affecting. I am in the process of trying to move my balance off of a CITI account and close the account, but I can not make this happen immediately. Help. I have no idea how to stop this mismanagement 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$850.00} XXXX XXXX {$800.00} XXXX  XXXX {$460.00} XXXX XXXX {$720.00}

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 2019-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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 a credit card from Bank of America and was offered a 0 % loan from the credit card with a 3 % fee. I took a loan from the credit card at 0 % interest and have been making minimum payments that go to  principal. 

For XXXX, XXXX, and XXXX credit card statements, I have been charged a {$1.00} fee for " minimum interest charge '' that shouldn't be there. Bank of America does not allow me to contact them about this via email or chat, only over the phone. I don't have time to take time off from a work day and sit on the phone with Bank of America for hours, which is what they are counting on by refusing to use email, chat, or secure message for communication.

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 2019-06-17
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage to LoanCare , LLC. Originally, the loan was paid to XXXX. I started paying at least an extra payment since XX/XX/2018. The mortgage company has applied the extra payment as " payment in advance, '' which is to the advantage of the mortgage company. I have to call several times a month for the mortgage property to correct the situation. I have mentioned to them have a " XX/XX/XXXX. '' A computerized " XX/XX/XXXX '' is a computerized check to make certain that a customer is up to date on their mortgage, and additional payments go to " principal '' only. The mortgage company and the customer would not have to talk on the phone to correct the situation. 

The mortgage company website does not inform the customer the date that they receive the payment. On the other hand, the mortgage company has a column entitled as " applied date. '' Normally, the " applied date '' is different than the payment date. Based on what i have seen, It takes many days subsequent to the payment date to correct the entry. Having the customer 's payment date, the customer can calculate that the interest/principal portion.

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.

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 2018-10-30
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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 I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Specialized Loan Servicing Holdings LLC
State: TX
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:
I have been on forbearance since XX/XX/XXXX. I received a phone call on XX/XX/XXXX if I didn't make all 3 payments now they were going to foreclose on me. I asked cant we put the payment at the end of our loan and she stated no this is a forbearance we needed to pay today. I paid {$5500.00} on XX/XX/XXXX it posted from my account on the XXXX. I noticed a week later that my statement never updated that it said I was still 3 months late. I made a phone call and they told me they see my payment but don't know why it hasn't posted to my account that they need to send it up to higher personnel. I called back on the XXXX and they still don't know why its not fixed. I called them everyday since until someone would fix my account. Finally 3 weeks later the payments finally were posted to my account. I also adked to make sure they never report this on my credit and every person I spoke to assured me it would not go on my credit because it was there fault. Well here it is on my credit as a negative for 30 60 & 90 days delinquent which effect my credit score. So now I have called them again every day this week about my credit reporting and of course there is no one we can talk to that we have to wait for a manager to call us again that never happens. So just need them to fix my credit

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 2020-08-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Issue with COVID-19 Payment Relief I have spoken to Customer Service several time, my calls received by agents in XXXX and also I receive agent 's calls from XXXX. Simply, these agents do not not how to handle COVID-19 payment relief requests. 

I requested for COVID-19 payment relief and thought it all went OK but I noticed a late payment on my credit report. I contacted back and I was told that it has happened because I did not pay the late fee. The agent from XXXX said he will need a payment before setting up COVID-19 payment relief. But, he was not the only agent said it to me, there were several other agent from XXXX said the same to me. One of the agents said that he will credit my account with {$15.00} if I pay my bill to him. 

after i filed the complaint against the bank i told them that i filed the next day the reduced my credit limit by {$70.00} which caused my credit score to drop by 69 points, i called them and asked why are they keep asking to make a payment when i requested covid help, they kept ignoring my question and kept asking when am i going to pay. my concerning is that if the consumer asked for covid payment relief several time why are they asking me to make a payment. that is a violation because the government has motor for all lenders to provide relief not to report to bureau for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spent months and thousands of dollars trying to fix my credit, some due to fraudulent activity or identity theft! I paid and have all my records but transition refuses to clear my credit and good name. I have contacted them in numerous occasions but to no avail. I am beyond frustrated and disappointed!

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 2020-06-23
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On multiple occasions, Nordstrom ( TD Bank NA ) only notifies me of a missed payment on the next month 's billing statement. Most recently, for the XX/XX/XXXX payment due date, Nordstrom emailed an electronic billing statement prior to the due date in lieu of a paper billing statement ( per my opt-in/request ) ; however, as the due date approached there were no reminder notifications nor any indication that I had missed the payment date until I received the XXXX billing statement on XX/XX/23. 

Furthermore, I was advised by the customer service rep on XX/XX/23 that because I have opted-in to receive electronic billing statements, it was not possible to set up alerts on my account. 

This practice of not informing customers of an approaching due date, or of a recently missed payment seems unfair and deceptive as it is a way for the institution to collect late fees customers. This practice is also not consistent with similar accounts that I have with other card issuers/financial institutions where I received multiple alerts, reminders, etc. to aid in effectively managing the account. 

This practice causes material harm to me as a customer in the form of late fees ( {$37.00} ) at a time when my household income as already been significantly reduced by COVID-19, as well as harm in the form of negative consumer reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I co-signed for my sister on this vehicle, she has paid it down a lot but is upside down on it. I am trying to purchase a home but with 2 auto loans it is very hard. She is trying to remove me off the loan but MCMC is making it extremely hard. All I need to be done is my name off the 2015  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/18, I opened a consumer checking account with HSBC by responding to an advertised promotion promising {$350.00} if I deposited {$10000.00} within 30 days and kept it deposited for 90 days. HSBC is still running similar promotions as of the date of this complaint. 

On XX/XX/18, I deposited {$10000.00}. This date is within 30 days of the account opening, fulfilling the promotions terms. 

On XX/XX/18, I withdrew {$9900.00}, bringing my account balance to {$50.00}. The time the account balance was above {$10000.00} was more than 100 days, further fulfilling the promotion 's terms. 

The promotion 's terms stated that the {$350.00} bonus would be paid within 8 weeks ( 56 days ) of  meeting the promotion 's terms, which would have been on or before XX/XX/2018. 

During and before XX/XX/2018, I contacted HSBC to resolve this issue several times. HSBC has continued to engage in obstruction and false statements regarding the account 's history and bonus status. Importantly, they had also refused to honor their promotion for my husband 's account opened under the same promotion, although they later resolved my husband 's account after being confronted about failing to honor their advertised promotion. This indicates a pattern of deceptive and obstructive behavior regarding honoring their advertised promotions. I'm sure the CFPB can verify from other complaintant 's reports that HSBC is well known for this kind of bait-and-switch behavior. Bait-and-switch is illegal in the Untied States, and HSBC knows this yet continues to engage in it. 

I have attempted to resolve this with HSBC for several months, and have been in contact with them about this issue more than 4 times. They keep refusing to honor the terms of the promotion, and point me to terms of a different promotion altogether. 

I would greatly appreciate the CFPB looking into HSBC 's conduct in this matter and helping to resolve the situation. HSBC 's internal complaint confirmation number is XXXX

Company response to consumer: Closed with explanation