BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2020 account # XXXX and # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX, I made a purchase with my chase card to a merchant. The item was said to be delivered in one month. After 5 weeks, I filed a dispute due to a manufacturing defect. A week later, the merchant said they had the item but cant ship it because I filed a dispute. I contacted chase and told them what the merchant told me and they told me to close the dispute. I closed the dispute because I trusted the bank would keep me in their best interest. A month later, the merchant said they did not receive their money even though I saw it on my credit card. 

I called back another month later on XX/XX/19 to reopen the dispute. 

The merchant said it could take 60 days for the money to appear and for the item to then ship. 

2 months later, I asked for an update. They said the dispute was never reopened and that I had to pay {$140.00}. 

The supervisor, XXXX, in XXXX XXXX said I have never called. 

I hung up, and spoke to XXXX, another supervisor. She said she could see that I called on XX/XX/19 to check on the dispute but it was never reopened. 

Now that this time has elapsed, they claim I am responsible to pay for the item because of the negligence of their agent to not reopen the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to report a bankruptcy on my credit report that belongs to my ex wife which she filed long after we were divorced. I have sent letter after letter begging them to verify the information is incorrect and they just respond with it being verified. The letter i sent in early XXXX ( XX/XX/XXXX ) requested TransUnion to provide me with copies of all documentation associated with this bankruptcy  and the names and phone numbers of the people they talked too that verified it as accurate. The last letter I sent ( XX/XX/XXXX ) again asked for them to furnish the documentation of the validation and they just continue to send me a report saying it's validated. I just recently found out this is illegal so I'm starting the legal proceedings. I'm attaching the last 2 letters.

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 2018-09-18
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance. 

I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans. 

I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments. 

I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a client of this bank for over 10+ years, I called them while I was out of the country working and told them, I saw that money was being taken out of my account and I had no knowledge of who or where it was going. once I put in the complaint I was not allowed to have access to the account nor their website. Upon returning back to the states, I tried to reach out and still could not access the accounts nor website, so I tried to open another account at a different institution, I was told to call the early warning department and they told me that I have a negative account and could not be helped until I cleared this up. So I proceeded to call USAA and while talking to one of their representatives, I was told my account was closed because I had a negative account of XXXX. I proceeded to ask the rep, how did your bank allow someone to get negative XXXX, and the response was they didn't know because they've saw accounts close for negative {$5.00}. I was told it was under investigation over two weeks ago and no one have reached out to me. I was also told to reach out to their legal dept, nothing has come from that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from IQ data international inc. I reached out to this institution via phone # XXXX XXXX XXXX XXXX on XX/XX/2020. I spoke with XXXX, ID # XXXX. I advised her I do not have an account with IQ data international inc and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from IQ data international inc. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. I have placed a fraud alert on my social to avoid matters as such in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sent wire transfer payment, through XXXX XXXX XXXX for our mortgage payment in the amount of {$2500.00} on XXXX XXXX, 2015. The payment was rejected by NationStar Mortgage. We called NationStar Mortgage and spoke to upper manager XXXX XXXX ext. XXXX. He assured me that if I sent a new wire transfer, Monday XXXX XXXX, 2015, that it would go through without a problem. I followed his exact instructions and on Saturday, XXXX XXXX, 2015 I checked my bank account and they have rejected our payment a second time this month. They are closed today, since it is Sunday. We are simply trying to pay our mortgage and NationStar is not allowing us to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with Santander and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XXXX XXXX, XXXX, I learned that XXXX XXXX XXXX erroneously reported to XXXX and Transunion credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.

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 2020-01-23
Company: AMCOL Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a dispute letter to Amcol systems asking them to validate this debt and also asking them to send me proof of the services provided along with the dates services were provided on along with a HIPAA release form. They failed to respond to my letter, by law they had 30 days to respond and they failed to do so. I sent them a letter via CERTIFIED MAIL. And it is not XX/XX/XXXX and I have yet to receive any proof that this medical bill belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On or around XX/XX/2019 my husband and I initiated the process of refinancing our family home. We began the process with PRMG. All documents were immediately provided and follow up questions as to loan type were discussed. I requested written information from XXXX XXXX who, thereafter, refused to provide written information even going so far as to suggest coming to our home at XXXX XXXX to have a verbal conversation on very important financial information which I insisted upon having in writing. All documents requested were provided within 48 hours of the request. We were asked for normative documents such as our most recent 60-day pay stubs and tax returns, w-2s and our bank records. We were similarly asked for unusual documents such as a letter of intent to occupy the residence. More than once Mr. XXXX failed to do his due diligence in reviewing the status of our home and this cause unnecessary and costly delays. Our home was submitted for appraisal and an appraiser demanded our attendance less than 24 hours in advance. When told we could not accommodate this he indicated that he had not received our timely message and had gone to our residence anyways and demanded a {$70.00} trip fee which we refused to pay indicating that we had given timely notice of our inability to call off our work lives less than 24 hours in advance. We were noticed on XX/XX/XXXX that the appraisal had returned with a conditional quote and that Mr. XXXX wanted " a few days '' to determine what this meant. The appraisal had been returned to him the day prior. When asked for a copy, Mr. XXXX indicated one had been sent to us the day before, which we were neither noticed of nor did we receive any indication of how the appraisal would be received. It sat in my husband 's " junk '' email for 24 hours burning time for our rate lock. Mr. XXXX never indicated that our rate lock was expiring when we indicated to him that we would be out of town from the XX/XX/XXXX and would have the work done the following week. An email was sent to Mr. XXXX on Monday, XX/XX/XXXX indicating that we were to have the work finished on Friday XX/XX/XXXX. At no time did Mr. XXXX indicate that our rate lock was expiring, that there would be a fee for the appraiser to return or that there would be a minimum fee of {$520.00} to extend the rate lock. By the time that the photographs of our repairs were submitted to PRMG, our rate was very near to the expiration date. I indicated to PRMG that I intended to file a complaint with this agency and immediately the manager offered to extend our rate at no cost due to the failure for proper notice. Our loan has now come out of underwriting and PRMG is now requesting a second intent letter, Solar lease documents which have already been submitted and delaying the process further for what I can only assume is their ability to attempt to force us to pay their offices further superfluous fees out of sheer exasperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's account.

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 2020-07-16
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This has taken place over XXXX to XX/XX/2019. Moneylion touts savings for consumers and free atms. I have always been charged fees. {$2.00} every time I use my atm. They have no bank branches. Customer service always busy. Emails to support 2 never answered. Bank sends account balance errors with wrong amount. I feel they owe me {$120.00} dollars in fees. I want my free atms and refund then I will close this account.what they represented is not true for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, 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 status incorrect

Complaint:
I have paid to check my credit report and also verified or compared my credit report through XXXX XXXX. On both ends shows an account as opened when it should be showing closed. I have submitted several disputes with Equifax to correct this issue but the account still remains open after Equifax stated the account is now closed. The first attempt was in XXXX XXXX, XXXX to start and have them correct this. Later I find it still open so on XXXX I filed another dispute with Equifax to have closed. I spent {$39.00} for a Credit Report through Equifax. On XXXX, I addressed this issue again. Spent another {$39.00} for a Credit Report. As of today XXXX, XXXX XXXX still shows an Open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX is reporting that has been released

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 2020-05-22
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Transunion and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.

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 2023-06-28
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've been trying for month to settle my debt with this company, whenever I ask for documentation to prove the debt will be settled in full or any additional questions the call agents start to use abusive language, including yelling, profound words, insulting me personally. I've tried to contact them directly but can never get through either. Only on their terms.

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 2020-07-09
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan in XXXX of XXXX. The company has not applied my payment to my account and keeps sending it to repossesion. I am the only one that keeps trying to contact them. I have been told that they keep trying to call me and then close complaint. They have called once. I do all the calling. They keep changing my phone number even though I have told them I only have one number and it never changed. They have also changed my address even though it has never changed. i found out they changed it to an old roommate ' s number, even though i have stated that i have not moved. I am tired of being bullied by them even and lied to!!!! They do as they please! I was told by a XXXX XXXX on Monday, XX/XX/XXXX that all documents were received. Now I am being told that it wasn't by a XXXX XXXX. I had to leave work early to go and resend it. 

This company doesn't have it's head screwed on corrrectly I have placed a complaint with the State Attorney 's Genera Office in NJ and also contacted the Federal Trade Commission

Company response to consumer: Closed with explanation