BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance 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 2021-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2018-12-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NV
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 contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from Pacer ( the US court ) that information is incomplete since they dont provide the social security number complete.The supervisor was very unprofessional from the beginning to the end, he didnt care about my issue and all the time when I request for an investigation is very fast and I been asking for the proof that they are basing if the accounts dont get deleted for. This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number. 

Customer service is horrible, I opened a complaint with CFPB and Experian responded in a way that my complaint was closed without resolution. I will provide a screen shot of the result of this last investigation and how the accounts still in my report. Experian is violating the law and if this complaint dont resolve my issue I will file a lgalas complaint

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 2023-07-20
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is the second time in 2 months my brother has tried to send money through Western Union. He gives them the money, the information and they give him a confirmation code. After that, they have kept the money on hold. When calling to resolve or ask why its on hold, they claim they need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: U.S. Auto Sales 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:
On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX / added a demography credit Report per XXXX  XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have credit builder account with MoneyLion. I make a monthly payment of {$88.00}. On XX/XX/XXXX the payment was taken out of my account. I went on the account to check to make sure everything was current. After visiting the account I see that the account is showing past due. I reached out to Customer Service and they told me that they had escalated my case to the appropriate department and it shouldve been fixed within 3 to 5 business days. That was not the case. I reached out to them two days ago regarding the situation and they again gave me the runaround and yesterday they emailed me saying that the dedicated team is still working on the case it has been almost 3 weeks and they are sending me email saying my account is going to be at fault and the added additional charges to my account when I have the proof that they have taken that money from my account but no one wants to fix it. I am honestly tired of all the runaround they are giving me. This should not be a three week process. It is an easy fix. They told me that they do see where the payment was taken so I dont know why they cant make my account current because I do not owe them anything.

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 2020-05-28
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunrise credit services XXXX XXXX XXXX Latest attempt is XX/XX/2020 But has been going on for a year or so. 
Disputed this debt verbally with XXXX XXXX XXXX extensively. 
I XXXX XXXX had cosigned on an account for my daughter XXXX XXXX. Years ago. Approximately 12 years ago. She merged her XXXX XXXX XXXX account with her fiance about a year ago. +/- XXXX XXXX XXXX acknowledged this. But I started getting debt calls. Finally after hours and hours of hold time we got a manager to agree that the debt was transferred to the account and the old account was satisfied. A year later now I get a letter from sunrise credit services Inc. Claiming the same exact amount is owed.

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 2023-07-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank multiple fraudulent transactions were made on my account most were yet to be addressed and poor customer service care for the most part inadequate explanation by workers and subsequently frustrating explaining for weeks of delays and poor service and handling for the customer who yet to be taken care of properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: NRA Group, LLC
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:
National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Our business Been close since XXXX and we haven't been available to made a single payment on our business account, and they as a tactic to collect the debt has been reporting to my personal credit now my personal credit is mess up and I can't neither rent an apartment because there is a report of no payments on a business account. 

I tried to settle the account and offer the bank to made 6 payments of XXXX each to settle the account the bank say they no willing to settle, I have no option other than close business we on the entertainment and our business has been no operative for a long ride if we can't settle it we will no settle this will be no other option than file bankruptcy in both personal and business and I am trying to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.Experian has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.

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 2020-10-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold my XXXX on XX/XX/2020 with Visonary title. The title company send wire transfer of XXXX $ to my account at Synchrony Bank ( high yield saving account ). The title company missed spelled my name, and Synchrony bank rejected the wire transfer. 

However, the title company which they have account with XXXX XXXX XXXX never received the money. Every time we call Synchrony Bank, and one of the representatives gave me different information. I had spoken to mangers and supervisor at Synchrony Bank, every time they said the money never reached us, and we rejected the wire. 
First Call they said we have to send the back in same way using the same IMAD number. 
2nd call they said the wire will be there in 24 hours 3rd call they said 1 to 2 business days 4th call the manager said her name is XXXX said 2 to 4 business days And many other calls still the title company didnt receive the money, The title company are working closely with XXXX XXXX XXXX, and as of today XX/XX/2020 the money are not received by the title company. 

IMADXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/XXXX I had learned that my account was charged twice in the month of XXXX for my XXXX XXXX XXXX. I spoke with XXXX from XXXX at XXXX on XX/XX/XXXX his phone # XXXX. XXXX stated that I was charged twice because my insurance increased because they added my husband to my policy. I told XXXX that my husband does not drive my vehicle that is why I did not add him and we were going threw a separation. I also stated even if my policy did increase why did it charge me twice in the same month and I was told it is how days fell on automated service they have for when next payment was due. I stated to XXXX it put my account into a negative balance because of the double charges, I have my bills and there amounts on automatic payments based on my check payments. At that time I asked for them to correct the problem and they would not. So since they did not correct the problem I asked for my account to be closed and I would find another insurance provider. My account was closed and I assumed issue was resolved. On XX/XX/XXXX I received an alert on XXXX XXXX  that I had recently purchased to monitor my credit activity that a new collections was added from a collection agency Caine & Weiner in the amount of {$380.00} from XXXX. I did not receive any any information about debit or why it was owed. I called XXXX from XXXX  at number above left several messages and have not received a call back. Because of the mark on my credit score it has affected my ability to obtain the mortgage for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX 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 2020-05-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The issue is that over the life of my loan I had XXXX loan modification ( XX/XX/XXXX & XX/XX/XXXX ) that included principal reductions and adjustments in interest rates. The modifications became a subordinate note added as a property lien. 

When I sold the home XX/XX/XXXX, the payoff of the principal amount and the lien seem odd. So I contacted PHH Mortgage service to ask about the amounts and shared that a principal reduction was apart of my modification. I was told that there was not a principal reduction or principal forgiveness applied. 

The interest rates were adjusted but there was no reduction in the principal. As a result, I have over paid since the principal reduction amounts were a part of the subordinate note that I paid when selling the home. I then reached out to HUD, XXXX XXXX XXXX XXXX and PHH Loan servicing to explain what happened and requested a refund as resolution of the over payment. HUD and XXXX explained that XXXX XXXX XXXX are my source for a refund. 

My original loan amount is {$220000.00} XX/XX/XXXX principal pay off amount - {$140000.00} and the subordinate note - {$57000.00}. which would equate to me only paying {$13000.00} on the principal since XX/XX/XXXX, That didn't make sense. But would confirm since the principal reductions was not applied. 

I reached out to PHH loan servicing again in XX/XX/XXXX. I have followed up several times. I sent a letter of on XX/XX/XXXX. I received a letter from the research department acknowledging my letter. But now it is the end of XXXX. I called them again and ws told no letter shows received and that I have to start this process all over again. They will not escalate the issue. Even tho I shared my documentations that was sent in XX/XX/XXXX. I resent the information XX/XX/XXXX. I contacted HUD and was encourage to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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