BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled a homeowners and auto policy that was connected with automatic deductions from my pay role as of XXXXXXXXwith XXXX XXXX and began XXXX XXXX. They kept asking for payment and my insurance company sent notification XX/XX/2021. I resubmitted notification of cancelation on XX/XX/2021 by mail and again on XX/XX/2021. Finally they issued two separate checks for over payment. Then sent another bill. I ignored the bill thinking it was an error and oversite. They wanted me to pay for insurance and figured if I didn't pay it, the policy would simply be canceled. I was tired of going back and forth with them. As of today I received notification that XXXX XXXX company who took over XXXX XXXX submitted uncollected debt of {$94.00} to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX XXXX 2019 I was charged a {$25.00} HSA closure fee when terminating my Bank of America Health Savings Account and transferring the balance to a new HSA with another provider. This fee was not mentioned at all on the only website I could find with information about the account. https : //healthaccounts.bankofamerica.com/hsa-faqs.shtml I was also charged several service fees that were higher than specified on that website. On XX/XX/XXXX I was charged {$3.00}. On XX/XX/XXXX I was charged {$4.00}. The fee is normally {$2.00} as specified in the link above. 

The amount of the closure fee was not specified in the Custodial Agreement that was mailed to me when setting up the account. That custodial agreement is not available on the account website, myhealth.bankofamerica.com, not even when logged in. 

Bank of America does not have a support email address or web form to get help online, only a chat system with limited hours. This is inconvenient for all and inaccessible for some.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : 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 2017-11-23
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Ive also emailed multiple PayPal employees and executives about me plaining to file a report of not being able too cash out my funds that I sent to PayPal from my on account. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me often. They know that I am aware of my debt as I have talked to them and I make a monthly payment to them. I make my monthly payments around the same date every single month. I do not miss any of them. They still try to contact me about my debt because I am not on a payment plan. I do not wish to set up a payment plan. The reason I don't want to set a payment plan is because it requires automatic deduction out of my checking account, which an auto deduct is not a problem, but their auto deduction never pulls the money out of my account, then I have to leave my desk at work, make a phone call, cancel my plan, reset a new one, etc., etc. and this would happen every month, so, I am not going to put myself through that hassle when I can just make my payment on my own with no problems or complications. I am doing everything I can to get my debt with them paid off. They do not need to call me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
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: Information belongs to someone else

Complaint:
The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After filing a complaint to get a copy of loan payment history records with CFPB on XX/XX/XXXX I received the requested information on XX/XX/XXXX. 

In their letter Specialized Loan Servicing ( SLS ) that both my account transferred to SLS on XX/XX/XXXX, XXXX and the account in question was due for the XX/XX/XXXX post-petition payment. The other account was correctly shown as having the payment due XX/XX/XXXX. 

After review of the payment histories provided and my payment records I see that I paid XXXX payment to the prior Loan Servicing company and did not owe an XXXX payment to SLS as they stated. They have been wrongly charging me a XXXX late fee since they took over this loan. 

I sent a certified letter stating the problem and asking it be corrected AND I be refunded the improper late charges and included documentation from XXXX XXXX that they had received the XXXX payment on XX/XX/XXXX. 

I received a reply from SLS dated XX/XX/XXXX saying the received my letter and my case is under review. I have since made MANY phone call but have not received any answers or reply 's and the errors have not been corrected. 

They said in their letter they would have a response issued to me within state and/or federal regulations timeframes. I don't know what those timeframes are but I do know it have been 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried multiple times over the past year to get Experian to remove several old student loan accounts off my credit report. Now, when I try to dispute them with Experian, I get their favorite line, " experian has already allowed you to dispute these once and is not obligated to allow you to dispute them again '' This statement really is Experian 's go to line to give consumers, on average I've had to dispute an incorrect item about 4-6 times before experian will take it seriously. 
But, every time after doing so multiple times, they end up removing the item because I was correct. 
All of these are over ten years old and have been paid and closed. There are two accounts labeled " XXXX XXXX XXXX '' that show " unknown closed ''. There are a total of 9 old student loan accounts that have all since been paid and closed and Most of the data on each of these files is either missing completely or incorrect. Some of these show as late and are counting against me on my credit score, while at the same time, they only have small bits of data/information. The dates of these accounts are all between XXXX. Some of them appear like they are duplicates, but then again with very little information ( mostly blank ) it's hard to tell which is which. All of the accounts in question are some variation of XXXX, XXXX XXXX XXXX, or Dept of Edu/XXXX. XXXX is notorious for their mishandling of student loan files and committing fraud against borrowers. This makes it even more important to remove ALL of these considering most of the data is blank/incomplete. 
Please, Please do the right thing and remove all of these ASAP, like most individuals who have student loans, it is almost impossible for me to get the correct information from these old student loan companies. - ( some of which no longer exist due to fraudulent handling of student data )

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 2017-12-06
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no affiliation with XXXX XXXX XXXX XXXX. 
They have no signed debt with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: First Advantage LNS Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America reached out to me to offer me a HELOC at 85 % LTV on my primary home. I have a high income, low DTI, and good credit so I thought it would be smooth. They also contacted me and pitched me on this deal. I spoke with their mortgage specialist to discuss my assets and liabilities so he knew all of my details. He told me we could apply for {$150000.00} HELOC. During the application process he then came back to me a few days later and told me they would only approve me for up to {$50000.00} and a LTV of 75 % but they wouldn't tell me specifically why. They told me it was proprietary and they wouldn't disclose the why the LTV amount changed. ( Again it's not income or credit related ) The specialist said that we could get a waiver of their internal rules if I just continued to submit the income/paperwork verification. He had my round up all my tax returns, work with my HOA to get the previous bill. The under writer then called me and told me they wouldn't go higher than the {$50000.00}. It was a complete bait and switch to get me to submit the application at one level, only to change the terms without tell me why after. I would not have applied with Bank of America if I knew they had such a low limit, but was told the limit was much higher.

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 2017-12-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Phoenix Financial Services LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Received notification through XXXX  that a delinquent account had been added to my credit report. Call the debt collector, Kansas Counselors @ XXXX CST. Was informed that I owed a debt from XXXX to XXXX  XXXX XXXX. Called XXXX  XXXX XXXX @ XXXX CST. Informed that there was a debt from XXXX of XXXX in the amount of approx. {$180.00}. Claimed they sent a bill for these services in XXXX. I have no recollection of this bill ever coming. I requested XXXX  XXXX XXXX forward me a copy of the original invoice. Provided them my email address. They never sent me the bill. One, I question the validity of the bill AND two I question the practices of a company who would wait 3 years and with NO notice sell a debt to a third party collector. What am I supposed to do in this situation to protect myself? My credit?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CITIBANK, N.A.
State: FL
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:
Dear Sir or Madam : I am writing to dispute a debit in the amount of {$1300.00} on my account. The amount is inaccurate because the merchandise I ordered was not delivered. I ordered the merchandise on XX/XX/19. I received the package on XX/XX/19, but opened the package on XX/XX/19. Upon opening the package, ( package came in a shipping bag instead of a box ) I noticed that the box of the product had already been opened and was not sealed in the plastic shrink-wrap that it would come with. When I opened the box, all of the contents were missing. Instead of what I ordered there was a heavy egg shaped granite sphere and what looks like a base that holds it. I immediately contacted the merchant through email as they are a XXXX company and I did not have a way to call. I explained to them that I received the package, but the contents were not what I ordered. The merchant explained to me they would contact their warehouse and email me once they received a response. On XX/XX/19 the merchant contacted me to explain that the warehouse informed them they had indeed shipped out the item. The issue at hand isn't if the warehouse shipped/did not ship the item. The issue is that the package that was shipped out was fraudulent, and did not have the items I ordered. The merchant explained to me there was nothing they could do and that I needed to contact my local shipping courier. Immediately after the merchant informed me of this, I inspected the shipping bag that the package came in. This shipping bag did not appear to have been tampered with, as the only cut was the one I had just made to open the package. Being a bag instead of a box would have made it difficult to hide any type of tampering. A bag would continue to show an opening no matter how it is taped as opposed to a box which can be opened and re-tapped without anyone 's knowledge. I proceeded to contact USPS and explained to them the situation. They let me know that this is something they would be looking into and would contact me by email. USPS sent back an email stating the package had been delivered without issue, and was delivered the same way they received it. I contacted the merchant and explained that USPS had completed their investigation and deemed that the package was delivered in the same condition it was sent. The seller then gave me the same reply to  check with the shipping company which sent the item to me. This is the point at which I contact my bank and file a dispute explaining what happened.

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 2019-09-24
Company: Choice Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was out on XXXX XXXX. I was seeing the doctors at XXXX XXXX detail I did not make an appointment that I was supposed to and I was forgot to call they tried to tell me for breaking the appointment I owe them {$25.00} I told them this is through XXXX XXXX I dont have to pay {$25.00} they refused to except thatThey would not except that as an answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a house fire last XXXX ( 2018 ). I worked through my insurance company : they determined the amount of money for reconstruction of the house and sent the money directly to Ditech, my mortgage company at the time. 

When I presented with the contract to sign in XXXX to begin work, the project manager presented me with 2 checks from Ditech amounting to about 50 % of the total they had received. I was surprised, since the second check was due later in the project, but I was eager to get the work started and so signed both as requested. 

About 3 weeks later, Ditech sent a third check for a little less than one-half of the remaining money. I called Ditech and they told me to hold on to it until the right time, and then cash it. Unfortunately, that time hasnt come yet and the check expired in early XXXX. 

Ive been contacting Ditech since XXXX, both by phone and after the beginning of the year also their online submission. I havent gotten a satisfactory response. After Ditech transferred my loan to XXXX, I attempted to confirm the transfer of the claim money. Not all the money was transferred. I obtained check amounts by phone from Ditech and did the math. Not only was the amount of the uncashed check not included, but almost {$8000.00} was missing from the amount originally sent by my insurance company. 

I have sent emails with details, plus certified letters, but again, no response. It hasnt been that long since I sent these most recent queries, but given Ditechs Chapter XXXX status, and the lack of meaningful response since last XXXX, Im not hopeful. 

My accounting ( an estimate since I haven't been able to get any documentation ) is that Ditech is holding about {$43000.00} that they should have transferred to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation