BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Medical Business Bureau
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against 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 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello, I had an issue with Transunion regarding unauthorized inquiries on my credit report. I spoke to customer service and they were unable to assist me. They said that they could not dispute nor remove them. I explained the situation to them and they were not willing or able to assist me. I need these unauthorized inquiries removed from my credit report. 
XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
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 paid

Complaint:
The company is Midland Credit Management. I paid this debt and have a letter sent from them stating it's paid and I have no further financial obligations for the debt. They are still reporting a collection. They violated the fair credit report act. They change the amount to XXXX and then back to original amount constantly. That violates the act. They removed 2 of the collections off my credit report but they are not removing one of the collections that is paid and part of the settlement letter. This company is fraudulent. I want the collection removed from my credit report because it is paid. XXXX and XXXX I have sent documentation showing proof it's paid but they don't remove it they tell me that they believe the agency over the consumer even with proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
BRCLYSBANKDE Shows as a hard inquiry I have not authorized any credit checks with this or any institution. Please investigate and remove this inquiry that is negatively impacting my score. Thanks

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 2017-11-29
Company: CITIBANK, N.A.
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX & XXXX XXXX Our Mortgage NightMare We Bought our house in XX/XX/XXXX. Weve lived here for 14yrs! In XX/XX/XXXX I was recovering from XXXX XXXX XXXX XXXX ( XXXX XXXX ) [ House is in XXXX XXXX XXXX name my wife ] we called Citi Mortgage to get a loan Modification based on my XXXX and XXXX income. For the next 16-months Citi dragged us through the mud, every week they would ask us for the paperwork that we gave them last wk! 
In XX/XX/XXXX Citi called and the Loan Modification was denied for lack of income. So we told them we wanted to add XXXX tips ( she works as a Barista ) to do another loan modification they said ok. My wife makes XXXX mo on avg in tips. We even had her boss sign a letter confirming. 
We made cash deposits for the next 3 mos XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ... No response from Citi! yes or no ( Remember on average it takes 3-4 months to do a Loan Modification ) Every wk from XX/XX/XXXX till XX/XX/XXXX they asked again for the same paperwork we gave the week before. On around XX/XX/XXXX ( Wednesday ) Citi asked us to prove again the tip deposits ( REMEMBER WE ALREADY PROVED IT FOR 3 MONTHS ), And yet no call, no email! 
We have a XXXX XXXX bank acct, its not easy In Alaska putting cash in an online bank. So we only deposit when needed. I bought some XXXX XXXX as investment, So when they asked to prove it again because we didnt put tips in the bank for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., I couldnt transfer quick enough!! It takes 2-4 days and I hadnt even set up transfers. So Monday the XX/XX/XXXX they called and said No again. 
2 days later the XX/XX/XXXX we received a XXXX letter that stated Citi approved us for a Short Sale. They gave us until XX/XX/XXXX to decide Short Sale or go into Foreclosure. For 16Months The XXXX, XXXX and XXXX XXXX Weve been through has been tremendous. We were trying in the short amount of time they gave us to find someone to help us save our house. Today XX/XX/XXXX I called a foreclosure expert he told me to call Citi and ask if they already sold the house, I said why he said Its been sold to a 3rd party! Wow I couldnt believe it! I called Citi and after some prodding, XXXX at Citi told me someone gave a bid on the XX/XX/XXXX and Citi excepted it and sold our house on XX/XX/XXXX! Citi told me on the phone they made a mistake and would fix it after the XX/XX/XXXX the day we were suppose to make a decision on Short Sale or Foreclosure. UPDATE : We have received a notice of vacate from the people who supposedly bought our house. They gave us 10 days! CitiMortgage is now telling us theres nothing they can do! We need help PLEASE! The company that bought our house : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, NV XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXXXXXXXXXX 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 2020-12-17
Company: General Motors Financial Company, Inc.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my 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 explanation
Consumer complaint received 2018-03-19
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 2.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 3.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1100.00} The above creditor is advising I owe these debts which they reported to all three credit bureaus. I called the creditor numerous times to have them validate these debts since I am unaware of these accounts. They are unable to provide me any information regarding the provider, dates of service, confirm they are the owner of the debt etc. They are unable to prove these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, 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 2018-02-10
Company: The J. G. Wentworth Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company started proceedings to change my flood insurance from a low risk zone to a high risk zone without my knowledge. 
We only learned of this when our insurance company contacted us on XX/XX/XXXX requesting an elevation certificate and other documents to process the change. 
We were not given any time to research the situation as the mortgage company continually harassed the insurance company to expedite this process. 
I had to find a surveyor and pay XXXX dollars to obtain the certificate meanwhile frantically trying to get information to counter this process. The whole subdivision is located in zone XXXX and no one could explain why our lot was in zone XXXX. 
After weeks of research and communication with FEMA, our Congressman, and XXXX County officials we were able to determine the subdivision was raised and filled to meet flood base standards when it was created in XXXX. Unfortunately the flood maps were created in XXXX. We obtained a copy of the revision from FEMA. We tried to give this information to the mortgage company but could not find anyone that was familiar with the situation. I had to contact my insurance company to obtain the name of the person responsible for initiating the change. I called several times and sent the revision letter but never received a reply. Finally after several days I was able to contact this person but was told, yes she received my information but they only go by the maps not revisions. I told her that was unacceptable and she reluctantly agreed to contact her supervisor about the matter. 
Less than an hour later she contacted me and my insurance agent. We were told the property could stay in zone XXXX for the time being but they might revisit the situation later. 
At this point the property had already been re-zoned to XXXX so I was required to submit more paperwork to get it back to zone XXXX. 
This was extremely stressful on me and my husband. We were told our insurance premium could go from XXXX dollars to thousands of dollars. Money we could not afford. We were looking at foreclosure as our only means of escape. 
Shouldnt companies notify their customers before initiating changes to their mortgage or insurance that protects the mortgage? Shouldnt customers be given adequate time to obtain documentation to prove their rights? If we had been aware of the situation we could have avoided the stress and monetary loss we encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX  Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX. 

I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems. 

I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Lendmark Financial Services
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.

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 2018-09-15
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried to purchase an outdoor swing set from XXXX. I entered all of my information including credit card and was told it didn't process. On my next statement dated XX/XX/18-XX/XX/18an amount had posted for a different amount to XXXX XXXX XXXX. I sent XXXX  an email asking them explain what was going on. After a week I disputed it with the credit card company. Stated to them that I should not have been billed, but I believed my card number was compromised and had sent XXXX an email asking to confirm with no response.. the email was sent on XX/XX/XXXX to XXXX card company sent me a letter claiming they had tried to contact me for more information, they never did, and sent a denial letter on XX/XX/XXXX. I contacted them again, gave them the information they were looking for and they sent me another denial letter on XX/XX/XXXX again for insufficient information. I now see why people say such bad things about U.S. Bank.

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 2019-04-22
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: Public record information inaccurate

Complaint:
one Bankruptcy chapter XXXX ( public record ) has been reporting under my equifax credit reporting agency,  this public record is not mine, and no matter how i explain to equifax they would not understand, i have even gone to to the courts and they did not have anything under my name, this is an absolute inaccurate information reporting under my name with equifax credit reporting. i have tried to talk to them every time they are very rude and not helpful, they have not been disputing correctly and each time they say it was verified. i would like to know how they have verified that even the court does not have my information please help me out you r are my last hope, thank you

Company response to consumer: Closed with explanation