BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I was admitted into an emergency room ( I have XXXX XXXX XXXX XXXX ) so I made sure before I was admitted it was an in network facility so that my insurance would cover my stay. Luckily I am fine. After a few months I started receiving my bills from XXXX and paid my portion in a timely matter. It is now Late XXXX and have just received notices from a collection agency that I owe {$630.00} plus interest on a debt I had no idea I owed. After contacting them regarding this notice -TSC Solutions ( the credit agency ) sent me a bill summary from my emergency stay. Apparently during my emergency stay an out of network doctor performed a procedure and this is where the bill is from? At no time did I EVER receive a bill from this doctor/or his affiliate company for my portion of the bill. Ive spoken to my insurance ( XXXX  ) regarding this and my advisor stated this happens quite often to patients. XXXX  sent my explanation of benefits from this bill to me and I forwarded to TSC SOLUTIONS. Initially {$630.00} was submitted by the out of network doctor- but due to the fact that {$120.00} from the claim is considered incidental to the primary procedure only {$510.00} was owed to the doctor ( or his office. ) I emailed this information to the credit agency as I do owe a portion of the bill ( {$510.00} ). But they are insistent that the FULL BILLED AMOUNT of {$630.00} IS due plus interest. 

Ive tried unsuccessfully to resolve this matter with XXXX at TSC Solutions even offering to pay more than what was owed ( I offered {$550.00} to TSC but was told in an email that the full amount of {$630.00} plus interest of {$88.00} was owed -now totaling {$720.00}. ) I am upset that as a patient I was diligent to go to an in network facility so that I wouldnt have any problems with my insurance but apparently this type of medical billing is done at the expense of the consumer.

I am also bewildered that a credit agency Does not have to abide by the law that protects consumers from over billing. At no time should a consumer have to pay the FULL amount owed from medical billing just because the bill is now in a collection agency hands. 
As I said I have tried to resolve this matter with TSC SOLUTIONS with no success. I will not stand by and be intimidated to over pay just because it may affect my credit report.

The difference of {$120.00} may not be a lot to some people but its a matter of principle. At no time should a collection agency or other entity feel that the law that protects over billing to consumers does not apply to them. As I said I tried to resolve this in a timely matter with TSC Solutions but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the XXXX XXXX American Express Card on XX/XX/XXXX and was declined ( Ref : XXXX ). I called them back to find out why this was and they told me that there was derogatory mark on my previous account from XXXX and that they can decline me based on this. However when I checked my credit report this derogatory mark was not on my record so this has to be deceptive practices or discrimination based on previous account that is over 13 years old.  I'm absolutely appalled by the way I have been treated and will never do business with American Express ever again. I will make sure all my family and friends are made aware of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-11-09
Company: Coinbase, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good Day to you HELP Reference for family protection & support : Coinbase XXXX XXXX  XXXX # XXXX, XXXX XXXX, CA XXXX Coinbase, Inc. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Well you have to be XX/XX/XXXX before you can be smart! I feel XX/XX/XXXX 
Got scammed from a 3rd party acting as a coinbase customer service XXXX XXXX XXXX XXXX XX/XX/2020 was the date of occurrence ) and remotely trick us out of all our Cryptocurrency acting as coinbase and remotely stole Over ( {$11000.00} US Dollars ) Not even a wear of programs that can allow others to access your account acting as coinbase. How are we to know and over 1.5 years never any communication of security breaches, compromises and scams to be a wear of, be wear updates and protection. Not being able to speak directly with coinbase, no live chat. unknowing and with out any warning the ability to communicate was taken away. 
Countless amount of attempts to contact in any and all means. 
Complete compromise. Knowing this I would at least had a decision to cease or continue to do business. 
No protective measures in place, no customer service, no live chat, taking responsibility and or the notification of the deletion of phone support which was once in place. Customer service are key in financial matters. 
Thank you for your time and any assistance for our family would be grateful. It was a lot of money and needless to say no sleep as late. 
XX/XX/2020 was the date of occurrence XXXX, XXXX XXXX XXXX ) XXXX XXXX : /XX/XX/XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX -- -- - Forwarded Message -- -- - From : XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; Thank you for your interest. XXXX Sent : XX/XX/XXXX XX/XX/2020, XXXX XXXX  PST Subject : Scammed XXXX  acting as coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: U.S. BANCORP
State: AZ
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:
Elan has violated FDCPA. Status must state : paid in settlement. Balance written off. Comment must state : paid in full for less than full balance. I had made payment arrangements for a settlement Elan had agreed upon. They even recorded me. Yes they are still reporting incorrect information I have disputed twice w XXXX, once w XXXX, and once w XXXX. I have added documentation

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 2018-11-25
Company: Santander Consumer USA Holdings 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:
On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a  charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX  and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Adverse account reporting incorrectly on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS

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 2017-09-13
Company: EQUIFAX, INC.
State: CO
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:
The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN. It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need.
The fact that a government agency is not available to protect us from these bumbling idiots is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: National Credit Adjusters, LLC
State: AZ
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:
National credit adjusters put a bill on my credit reports that is completely incorrect. They say on the credit report the bill is from XXXX but the bill they sent me was dated XX/XX/XXXX which is past the statute of limitations for collections. I contacted them and asked for the copy of the bill and what they sent me was a typed page with bill details from a XXXX XXXX whom I do not know. Also they sent the bill to me under XXXX XXXX and I have not been XXXX XXXX for 15 years. They have crossed the line on many levels here and my concern is they can just post anything to anyone 's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage on my home in XXXX, Virginia is serviced by Mr Cooper. I've been using my XXXX XXXX bill payer service for several years and it pays my mortgage automatically and electronically on the last day of the month ( one day before the due date ). I have never been late on a payment. On XX/XX/2021, my bill payer submitted the {$3100.00}. I noticed on XX/XX/XXXX, the payment had still not been cashed, so I called Mr Cooper. They told me there was a problem that Mr Cooper was having with electronic payments over {$2500.00} and they requested that bill payers submit a paper check. On XX/XX/XXXX I called Mr Cooper again and they verified they had received the check from XXXX for my payment, I've been calling Mr. Cooper every week since then and it still has not been cashed. When I log into my account at Mr Cooper on line, it says I also now owe {$120.00} in late fees. My last call to Mr. Cooper last week, I talked to " XXXX '' in the escalation department and he assured me there would be no late fee assessed and that there would be no report made to credit bureaus as it was their mistake. He also assured me that the check would be cashed by XX/XX/XXXX. This morning, XX/XX/XXXX, I checked my XXXX account and the check still has not been cashed. I have also checked with XXXX and the check has not been returned. I have now emailed XXXX at Mr. Cooper to notify him the check has not cashed. I am concerned that Mr. Cooper is never going to cash this check and that it will be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to Experian about inaccurate information on my credit report. I sent in documents to show my identity such as drivers license, social security card, utility bill, military id, and they said that cant confirm its me. Even sent in notarized document. Then I asked them to investigate inaccurate statues and account amounts and and late payments on my account. They came back and said Verified. When i asked to re investigate and to please send me the information they used to verify these accounts, they continuously refuse to send any information or re-investigate my accounts.

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 2020-11-09
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:
My identity has been compromised and need to have the following account and inquiries removed immediately.

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 2019-09-06
Company: Flagstar Bank, N.A.
State: SC
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: Problem with personal statement of dispute

Complaint:
I was impacted by a natural disaster in XX/XX/XXXX. Hurricane Irma. I was with my mortage company XXXX. During that time I was under a Forbearance for over 6 months. I would call and call multiple times, my remarks and records indidcate this. I had to do a loan modification due to a natural disaster and I was told my credit would be protected by fema. After almost a year of getttonh documents submitted and going back and forth I was finally approved for a modification. During that time my loan was transferred and I was going to pull from my 401k to get current but I was told to start making payments with the the mortage company Flagstar as of XX/XX/XXXX. My load modification was transferred from XXXX as is to Flagstar without my concent. I tried to appeal but XXXX said they have no records of this. Now my credit has been impacted bc Flagstar is saying I owed 2 months for XX/XX/XXXX and XX/XX/XXXX from XXXX but my loan was not transferred and my loan was not successfully modified and approved until XX/XX/XXXX and I was told to make my first trail payment with Flagstar and not Cenlar starting in XX/XX/XXXX. This is not fair because now my credit report is showing that I missed payments XX/XX/XXXX XX/XX/XXXX andXX/XX/2019 due to missed payments from being under the disaster from XXXX when that account was closed and dropped my credit score over 50 points. Flagstar has no documents from XXXX that the reason I was behind was due to a natural distaster and that XXXX extended my forbearance multiple times. XXXX will not send any information about my forbearance because they say they dont have it and they have no direct number to loss mitigation. Flagstar my credit will stay as it, as its not fair that I was not able to fulfill my loan modification with XXXX who created the loan modification. I just want my credit report to show that I made all payments on time and not missed as it states on my credit report for XX/XX/XXXX XX/XX/XXXX XX/XX/2019. Only a few people have been nice at both companies but other than that its been horrible. I was also out on XXXX during the time of the natural disaster due to XXXX  XXXX but again, this was never noted. I submittted all receipts from my repairs for my modification and it states that if I were in a natural distaste area my credit would have been suspended from being reported. XXXX did a horrible job conducting my modification as it took almost a year and they didnt give Flagstar all the documents needed and Flagstar has been no help. Please please help me.

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 2017-11-20
Company: 1st Money Center, Inc., Hurst, TX Branch
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to contact this company since XXXX 2017. I have two title loans with this company and I was making monthly payments on my account. I have not been able to get in contact with anyone so I can make payments on my loans and get my titles back. They currently have liens on my titles. I need a release of lien for this company so I can get my titles back. I have researched online and it says the company is closed. I have called every number listed for them no answer. I have emailed and my emails are returned undelivered. here is there NMLS # XXXX. Please help I just need to know who is taking over there loans or who I need to talk to so I can get my titles back

Company response to consumer: Untimely response