BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company

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 2018-03-28
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: MO
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 called XXXX/Experian to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing XXXX/Experian still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending XXXX/Experian negative updates everyday even though I closed my XXXX account. I advised XXXX/Experian that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.

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 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... .XXXX XXXX XXXX 4.XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: DISCOVER BANK
State: PA
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 CONTACTED DISCOVER CREDIT SERVICES BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE XXXX CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: OH
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:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
State: LA
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 have been disputing an error on my report with chase for almost a year now and I am not getting any help. Chase added a late payment on my account for a payment that was mailed but got mailed to the wrong address according to my bank. Chase knew about this but still added a late payment on my account. This is ridiculous I have 99 percent on time payments but had 100 percent on time payments for years and this was not my fault. Chase agreed to remove it but has not. It shouldnt be on my report at all. Someone please help. I believe its been removed from other reports but still reflects on two reports. I have never missed a payment in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX  service that XXXX XXXX  offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. 

I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX   claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. 

I will be filing a police report since XXXX XXXX  is unable to assist their customer with his scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reporting 30 day late payment on my XXXX account when i was never late

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 2021-07-12
Company: JPMORGAN CHASE & CO.
State: GA
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 filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I made a purchase with XXXX XXXX XXXX XXXX XXXX NY for XXXX on XX/XX/2021 for stained glass supplies XXXX claimed to have delivered this parcel to my address The parcel never came I put a dispute with chase bank they reversed the funds back to my account. One week later XXXX delivered the parcel to me the driver stated it was delivered to the wrong address I said things happen I called chase in new York customer service they agreed to reverse the complaint and rebill my credit card in which they did on XXXX I have an E-mail supporting that to this day chase has my funds and will not forward the money to the XXXX XXXX XXXX account this has been going on for nine weeks now the vender is entitled to his XXXX thankyou for your assistance in this matter XXXX XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed XXXX USD from transferring crypto ( ETH & BTC ) to a fake trading platform called XXXX. 

When I wanted to withdraw the money from XXXX, I received an error message that stated, " Your account is in an abnormal state. '' I contacted their customer service through XXXX. They responded that I needed to deposit 22 % of the principal investment due to international anti-money laundering regulations in order to proceed. Few days later, their customer service threatened me to deposit or else the account will be frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Atlanticus Services Corporation
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 have tried to get Fortiva credit card off of my XXXX credit report and they will not the credit company nor the card company will not remove this from my credit. This is a fraudulent account and does not belong to me. My identity was stolen. I sent all the information I received from the police report and FTC to the Credit Bureau and the Credit Card Company, and they still will not remove this. This supposed to have occurred in 2017 in the amount of over {$800.00}. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Navient Solutions, LLC.
State: FL
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 have some student loans with 2 companies, Navient and XXXX XXXX XXXX. 

Navient I have 3 loans. 
2 XXXX XXXX 1 XXXX Unsubsidized After going through a rehabilitation process on all 3 loans the debt was transferred to Navient on XX/XX/XXXX where I started making monthly payments. 
When COVID happened I continued to make any payments I could and between XX/XX/XXXX and XXXX XXXX I paid {$780.00}. I just found out at the end of XXXX that all my payments, even those made before XXXX, were all used to cover accrued interest. 

So during this entire time my payments have not had any portion going to current principle but 100 % of the payments have been credited to outstanding accrued interest. When my balance was transferred to Navient the amount was {$18000.00} and now, according to their website, my current balance is {$21000.00}. 

This is a way to keep people paying student loans for the rest of their lives. How is this even acceptable to those who have been trying to make payments and work to improve their situation? 

The situation with XXXX XXXX XXXX is completely different. 
I had 2 student loans with them. 
1 XXXX XXXX 1 XXXX XXXX I paid off the Unsubsidized in XX/XX/XXXX in order to continue to improve my financial situation and pay back my obligation. 
I am currently making monthly payments to the other loan and payments are all being credited to principal balance and interest, like any loan should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a JC Penney Credit card that I did not authorize. After talking with XXXX they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both JC Penney and Synchrony Bank, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to XXXX to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to JC Penney/SYNCB for a letter of deletion.

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 2021-07-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Saturday XXXX 2021 I entered the Wells Fargo branch in XXXX, FL to withdraw funds from my account exactly {$4500.00}. I was told by the teller and branch manager that couldn't withdraw the funds and gave me absolutely no reason and told me to contact customer service. I asked the branch manager to explain the reason why because I provided the proper identification, and all my funds were available and my account had no issues. She told me she can only give me $ XXXX {$200.00} out of my account with no explanation. I eventually called Wells Fargo customer support and the support agent notified me that there were no issues with my account and no reason I should've been denied my funds. After speaking with the Wells Fargo support agent I was transferred to their complaint department while driving back to the bank branch so I can let the branch manager speak to the complaint department agent and explain why my funds were denied to me in the first place. I eventually was allowed to withdraw some of my funds after almost an hour of back and forth and still absolutely no explanation from the Wells Fargo branch to why I was denied my funds. I FEEL DISCRIMINATED AGAINST FOR ABSOLUTELY NO REASON AS WELL AS EMBARRASSED. I do have documents from the Wells Fargo complaint department and Wells Fargo executive office supporting the whole matter. I am seeking legal representation to 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 2018-11-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX sold an account to XXXX XXXX that was included in my bankruptcy discharge case # XXXX XXXX. The amount is approximately {$4100.00} and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a XXXX XXXX Credit card that I did not authorize. After talking with TransUnion they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both XXXX XXXX and XXXX XXXX, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to transunion to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to XXXX XXXX for a letter of deletion.

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 2021-08-13
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXXXXXX XXXX  Website using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. 
My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website. ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I have contacted cashapp previously and they have not been willing to conduct their own investigation. I reported the indicident to the police Case number : XXXX Officer : XXXX  Badge Number : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX MD, XXXX I have also reported this issue to the FBI 's IC3 department

Company response to consumer: Closed with explanation