BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police 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 2019-10-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
fedLoan Servicing provides contact information that the customer is supposed to use to get information from the loan service provider regarding their loans. I called the phone number clearly provided by the loan provider ( XXXX ) to try to reach the loan provider regarding " rebate adjustments '' that were added to some of my loans on XX/XX/17. I wanted clarification on what these " rebate adjustments '' were I was not certain why they were added to my loans. After dialing the number, I went through the numerous phone type checkpoints where I verified all my information and where they repeatedly asked my if I wanted to make a payment. After a bunch ( how many is a bunch lawyers might as *eye roll* ) I was told by the robotic recorded voice that I was 1 minute away from speaking with  a customer service representative. The phone rang a couple times and then the call ended abruptly. I did not hang up and the call ending was certainly due to something on the loan provider 's end. How can I be so certain I didn't end the call ( is probably something lawyers would ask XXXX XXXX )? I called back directly after and that call ended abruptly as well, this time before the robotic voice even read me a menu. 

All I want is information about my loan. I would like clarification about what a " rebate adjustment '' is and how/if I can avoid incurring them in the future. I shouldn't have to call repeatedly to speak with a real person to get this information, not to mention that this information should just be easily and readily available without having to contact customer service in the first place. Thank you very much Loan Provider for my education, I really can not extend more gratification towards the incredible opportunity that you providing me these loans has granted me. I would like to pay you back in full, with interest! I think you deserve that. That being said, quit being so XXXX XXXX and have some decent customer service ( oh my  gosh he used a derogatory slur *eye roll* ). 

Keep your dicks in your pants and leave the female interns alone. Im looking forward to hearing back from you. Thanks - XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX XXXXXXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last year, about in XX/XX/XXXX, I closed my XXXX account and returned the boxes because my wife opened another account to take advantage of some promotions. I paid my last bill and when returning the boxes I asked again about a balance pending to be paid, and they said I was up to date with my payments.

Last week, XX/XX/XXXX, I received a phone call from a lady claiming I needed to pay {$76.00} for a past debt with XXXX. I asked for clarification but she just said I needed to pay it right away or she will send me to collections. I told her I paid everything when I closed the account and she just said call XXXX  and talk to them. Then Hanged up. I called XXXX  and they said I was up to date with my payments. I asked to check in previous accounts and they didn't find anything. I thought that call was a scam, due to they didn't find anything in their system.

Today, XX/XX/XXXX I received a letter from Diversified Consultant Inc. stating I am in collection for that amount. I called and they said my credit was already affected. That is completely not acceptable!!!! If I owe the money I can pay it, but I would like to receive clarification about it due to the fact all other customer services agents were saying I was Ok with them ( XXXX  ).

Additionally, it is completely unfair to damaged my credit score for something I didn't even know I was owing. If I owe that money, I can pay it with no problem, but they need to fix my credit because now this record affecting my credit history and score.

I can assure you I never received anything from XXXX  on regards to this balance, otherwise I would have called them to find out about it and pay it. This is the main reason I am submitting this request, so they remove that from my credit history and fix my credit score. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My online Western Union credentials were compromised and an amount of {$5000.00} was stolen from my account by making a international transfer on XX/XX/XXXX. 

I usually make bank-to-bank transfers through western union. But the fraud transaction happend as a cash pick up. When person picks up the cash, a Valid ID has to be produced. In this case, a fake ID is produced and cash is picked.

Western Union is not able to provide me the copy of the ID that is produced at the time of cash pick up in XXXX and as the transactions are completed, they are not able to refund me with my money. 

Proper verification of ID was not done by western union and this resulted in the loss of my money. 
A case is opened on this with # XXXX and no action is taken by western union to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT INC knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand roof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulation by the FTC U.S C41, et esq.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2019 while checking out I applied for a Kohl 's credit card and was approved. I received the card 7 days later. Approximately two weeks later I received a letter from Kohl 's that they received a letter from me requesting the account closed because I never opened an account with Kohl 's. I wrote a letter to Kohl 's CEO Mrs XXXX that this was a mistake and this letter was fraudulent. In XX/XX/2019 I recieved a call from Mrs XXXX 's president, XXXX, that she was submitting this to the fraudulent department. I informed her that I was a innocent person of fraud and that my bank account was hacked. I suggested that this may be related to the hacking of my personal information with my bank account. Approximately one week later XXXX called me and said that my letter to Mrs XXXX and the letter requesting my account be closed were too similar and they were canceling my account. I informed her that there are millions of computers exactly like mine and I didn't write the closure letter. I reapplied for a Kohl 's credit card and was denied. I wrote a letter to Chairman CEO, XXXX XXXX on XX/XX/2019 about this matter. He never replied to my letter. I feel I was mistreated and accused of writing a letter to close the account that I never did. I feel they should reopen my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
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:
My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   ARKANSAS XXXX {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. 
After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Union Bank charged my checking account on XX/XX/2022 overdraft fees that are not valid. 
This fee was caused by the change of the order in which transactions were processed on XX/XX/2022 and XX/XX/2022. To date a total of {$110.00} in overdraft fees have been charged to my 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 monetary relief
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a case with CFPB on XX/XX/XXXX, case CFPB case number XXXX. 
This case is showing resolved in your website but I never received anything from CFPB stating how it was resolved and would like a copy. Wells Fargo sent me a letter dated XX/XX/XXXX and  XXXX showing a debt discharged of XXXX in XXXX XXXX. This is incorrect, I made a payment of XXXX to Wells Fargo phone payment on XX/XX/XXXX. I would like to know if Wells Fargo wrote the XXXX balance off so they could receive full TARP money on this loan that was originated with XXXX. Next question has and is Wells Fargo been doing this with all Tarp loans that they received. I can send you a copy of the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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: Information belongs to someone else

Complaint:
I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2019, I close my account with regions secure credit card. They took my secured deposit of XXXX which my balance was approximately {$1100.00}. I was being charged fees after fees for using my credit card on daily purchases. around that time they missed credited XXXX dollars and i was not given an explanation of the funds. My account should have been resolved and paid around that time. I left the country because of a family emergency. recently came back to find various corresponds of fees added to my account. I have tried to resolve the account over the phone. Either I get disconnected or transferred to the incorrect department. I have invested hours. I am willing to pay the balance without the fees. I should not be punished for the lack of training regions customer service employees lack. as a consumer, I should be able to trust an employee of regions in their adequate expertise. I am sure that I'm, not the only one being charges an excess amount of fees.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Experian claiming that my data has been verified in violation of my rights.

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 2020-02-10
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
my card number was stolen and used in the state of California in different cities since XXXX- XX/XX/20 totaling up to {$1000.00}. Used in XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX California. 
My Card is from Way2Go XXXX card that is used in Alabama to deposit child support, XXXX XXXX  is affiliated with them. I was never alerted of any miss used transactions that are from California and i live in XXXX XXXX.It was very hard for me to reach costumer service for Way2GO debit card that i called XXXX XXXX conf # XXXX and they stated they did not have me in any account so they could not help me. I finally was able to reach someone in Way2go Costumer service to stop and report stolen debit card number, they then transferred me to fraud prevention from XXXX XXXX  and i made a report and they said they will mail be a dispute for all the transaction in 3 days and for me to fax it back with police report, then they will review it and let me know when i can get my money back. As a card that is from the State of Child Support i believe it should have better surveillance on the use of it and notify the consumer. I am out of {$1000.00} dollars and my identity has been taken from me and in terrible bind financially. I am very frustrated and upset with the whole system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020, received notice of 3 o draft fees, then account locked. When branch XXXX nh.. manager informed locked my account chip on chip avtivity, account XXXX overdraft not counting XXXX of fees. We went Thur unatorized trans found purchases in cal, ny, nc, few trans purchase card in california, legit purchase made in XXXX nh few hours later ... impossible in cal and nh few hours. Filed police report gave tp bank. For one month to bank kept saying did not police report, branch emailed twice, filed new report Thur bank XXXX assured police in he XXXX sure refunded the bank close account found fraud .... finally hours on phone XXXX XXXX number one honest to bank employee bank saying left me phone message saying fraud activity they thought on account, I never received notice, until got 3 of fees in mail. 

Been customer to bank 20 years, retired now my ss income, loss half. Money month. Thur out this process to bank lied many employees, why not process file charges in out state debit thefts. To bank are bunch robbers, no ethics, or truth in them share holders ashamed XXXX XXXX bank who dont protect, be truthful customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a couple payments behind and put in for a loan modification and they approved but the wanted to add another 30 years to the MORTGAGE .I have been making payments for the last 7 months and in XXXX they sent my payment back and had to put in for another loan modification. They also are putting anything toward principle. and saying I owe over 9,000.On there statement they have something saying prepaid principle over 7,000. So I have been making payments and there saying I haven't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible

Company response to consumer: Closed with non-monetary relief