BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I've been paying my child support obligation via pay roll deduction since XX/XX/XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX balance obligation. This account is being reported as COLLECTION in XX/XX/XXXX. i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX   years. please help

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 2020-02-12
Company: Ray Klein, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019 I called XXXX XXXX of XXXX to ask if they were in network for my insurance, XXXX XXXX XXXX XXXX because my physician told me I should go to the emergency room. XXXX said that they were in network which meant they would accept what the insurance paid them and an additional co-pay of either {$35.00} for urgent care or {$100.00} for an ER visit. 

After I was treated and XXXX collected more tan {$1700.00} from my insurance company I learned that they had lied about being in network and subsequently began billing me {$210.00}. I contacted them and told then that I should only be billed for the {$35.00} copay since I was not admitted to the hospital. ( it is not my fault that their employees do not know what they are doing and are poorly trained and give out wrong information -- or that they instruct their employees to lie so as to make more money. ) They refused and threatened to put me in collections. That threat was obviously not and idle one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: ID
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see attached documentation pertinent to the dispute with the bank regarding the credit card. I must add that besides not disputing the transaction ; the bank also negatively reported the charge to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I went to Belk. As I was leaving a lady asked me about a promotion for opening a belk card, I let her know I already had a belk card. She said that she could get me a better card by applying with her. She asked me to put in my income to see if I could get a higher limit. We discussed the advantages of the new card including additional rewards. I thought she was enhancing my card that I had already not applying for a whole new card. She then handed me a piece of paper with a new limit and lower credit amount. I was very confused by the whole process. I then got a new card in the mail that had less benefits than one the one I already had. I have a mastercard that I can use anywhere and the card I got was just a card to use in Belk. The whole interaction was offputting. I called the store to complain as it was misleading what was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX ( closing scheduled as of XX/XX/XXXX ; loan originated on XX/XX/XXXX ) with Cardinal Financial Services. The home appraised, as submitted to Cardinal for the refinance process, at {$260000.00}. The total mortgage on the refinance was {$190000.00}. They promptly transferred the loan, seemingly internally, to Cardinal Financial. They begin charging PMI, despite there being much more than 20 % equity in the home. I have been unable to get this charge removed, despite requests made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX My husband called today using a recorded line, and they again simply said that they will " send us the paperwork '' which never arrives. I have paid, at this point, thousands of dollars of PMI erroneously that is owed back to me. It is my understanding that charging PMI on a loan with more than 80 % equity in the house ( in some cases 77 %, but we meet even that criteria ) is illegal under the 1998 Homeowners Protection Act. At this time I need to pursue this beyond the company 's capability to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MD
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 contacted Equifax MONTHLY since XX/XX/2021 and have NEVER received a response. There is a medical collection on my report, but the information provided does not advise who the collection company is, nor who the original provider is. I do not recognize the amount and therefore have no idea who ( or if ) I owe. 

My understanding is that the bureaus are obligated to report with 100 % accuracy, and this collection is far from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions 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:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

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 2020-02-12
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Initial phone call from them they refused to accept partial monthly payments they would only accept payment in full or a payment plan of 1/2 the balance one month the other 1/2 the next month. I tried to set up payment arrangements they refused. They didn't even send a initial letter informing me that they were handling my medical bill. I ask about that and they said they send only one. I told them I would pay what I could. Then I get another call on XX/XX/11 from someone different and they actually agreed to accept my bi weekly payments of {$40.00} for eight months. Then I get another call today when I called back the man said that I had no payment arrangements on file. I told him who I spoke to and he said that he could see that but no arrangements were made. When i told him i would be making bi-weekly payment for 8 months He said that is a verbal arrangement and we do not accept verbal arrangements unless I give them my credit card or bank account information. I told him that wasn't want I was told yesterday and I am not going to do that. I will continue to make my arrangements and do not call me again unless I don't 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 2021-06-09
Company: FIRST HERITAGE CREDIT LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I called 1st heritage credit of XXXX mississippi and asked if they give loans to military personnel. They said they do so I applied and got the loan. At this time I was XXXX XXXX military and did not know anything about the military lending act. The APR of this loan is 37.640 % which is above the 36 % limit enforced by the military lending act. Also they required me to have premiums in order to receive this loan which is another violation of the MLA. I want to take the next step in order to void this loan but do not know how because it does not say on the internet and many attorneys I have called do not know of the military lending act. I have reached out to the issuer of the loan saying they violated the rules of the act and to void the loan but they will not. They sent this information to their attorneys to review this situation and are waiting for an answer. The excuse they used was that on my credit report it did not say I was XXXX XXXX when I told them I was in the military, showed up to the office in uniform, and gave a copy of my LES which clearly says on the top states that I'm XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name ( attachments are the account history & correspondence letters ) I have a complaint against this company ( Navient ) regarding a 90 day forbearance that was applied XXXX XXXX. I received a disaster relief forbearance and still was penalized for non-payment for XXXX I was told by the representative my payment would begin in XXXX. I received a letter XX/XX/XXXX stating payment due {$320.00} for due date XX/XX/XXXX. 
Past due notice with interest of {$230.00} dated XX/XX/XXXX with a notice of {$650.00} due XX/XX/XXXX. So from the statement I have been penalized for XXXX & XXXX. 
This was listed in the letter that I received XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX-XXXX  Navient.com Because the borrower of the above referenced loan resides in a county or jurisdiction that has been designated as a disaster area, we have applied an administrative forbearance on the loan postponing the next payment due. You don't need to make a loan payment until after the forbearance ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called so many times ( since they refused to identify themselves when answering the phone nor wanted to spell their name for me ) employees are highly unprofessional, using extremely offensive language. 
I was given the number by hospital billing after I discovered on my credit report that some medical bill was still in hospital system. This is a scamming company. They report information to the credit bureau without contacting the person. After many attempts and MILLION of phone calls with scary techniques, i got scared and i provided my debit card information, they took around {$500.00} from my bank account with the promise to sent by mail a report to which i never received and when i tried to contact them NO ONE GIVES AN EXPLANATION or legitimate answer. 

The kind of unprofessional behavior is highly suspicious and i was a victim of their techniques to scare people over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, Equifax, XXXX reports. I have not access my credit file since XX/XX/XXXX or XX/XX/XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
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 online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX XXXX {$350.00}

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 non-monetary relief
Consumer complaint received 2020-02-12
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 online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX DOCTOR XXXX {$350.00}

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 2017-07-28
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ).
We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter.

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 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX i opened an account with BANK OF AMERICAN after many times they asked me to open account with them, using their sales techniques without explaining every detail that involves having an account with them. I closed the account by the end of the same year because i did n't longer need it, FEW months later i got a XXXX CENTS letter FEE to which i instantly went to the branch and took care of it. It has been over 4 years and they still have my account opened WITHOUT MY CONSENT. 

I contacted them for an explanation on why my account remains open but most important WHY they SOLD information to a credit collector company to which i had NOT KNOWLEDGE or was INFORM. XXXX XXXX XXXX should not be allow to keep accounts open without informing their customers. It 's extremely sad that even after i went to the branch in XXXX to closed my account, they still have n't do so.

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 2021-09-14
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Regions Bank sent me an offer in the mail regarding opening a new account. The personal code for the offer is XXXX. The offer stipulates that the account must be opened before XX/XX/XXXX, that 10 purchase must be made and online statements established within 30 days of opening. The account was opened on XX/XX/XXXX and enrolled in online statement and 10 purchases made within 30 days. There is no confirmation stating the online statements were selected/enrolled so there is no way for the consumer to know the process has failed. This process is intentional and by design so that Regions does not have to pay the {$400.00} bonus they offered. The process is deceptive and unethical. When I called on XX/XX/XXXX, the representative confirmed I was not enrolled into online statements. I told her that I did and there was no way for me to know the process has failed. She enrolled me at that point and said if I don't see the bonus that they would open a ticket. I called again on XX/XX/XXXX to inquire again and the representative said I would receive it on the next statement cycle. When I called again on XX/XX/XXXX, the representative said they found no record or reason so they opened a ticket ( # XXXX ) to find a resolution. And on XX/XX/XXXX, a representative called to tell me I didn't enroll in online statements within 30 days of opening and I would not receive credit. I have filed an official complaint with Regions Bank ( # XXXX ) for unethical and misleading practices.

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