BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX  XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. 

I had medical insurance and submitted insurance card at time of visit. 

Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. 

Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. 

The collection agency stated that it was turned over to them and they were not going to contact the insurance company. 

I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. 

When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX  XXXX  per my insurance coverage.

I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.

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 2020-06-23
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Regarding Banking Regulators : they need to catch up with ever changing circumstances and new types of customer abuses. Here is the problem specifically which has cause me harm : PayPal denies that they are a bank despite that they've frozen my funds via my XXXX XXXX XXXX, not credit, these are my funds in the amount of {$5300.00} for an alleged, unspecified " acceptable use '' violation. They will not specify the alleged violation however I suspect it is because I used XXXX to pay for a firearms part recently. Meanwhile, they've notified that my funds are frozen and will remain in THEIR possession for 180 days. Is this not ridiculous? They can keep MY lawfully earned money for that long? 

If you can help with problem number it would be greatly appreciated. I'm not a wealthy person, I need these funds, without them my family is under great hardship. sincerely, XXXX XXXX XXXX reference I.D . XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment to my credit card USAA credit card using my XXXX account and the payment went to an account and then in XXXX. My credit card account number ends in XXXX. The payment came out of my XXXX checking account on XX/XX/2021 for {$99.00} I have documents to show where the payment came from and where the payment went to. Payments me to my credit card does not have a transaction ID a {$99.00} payment {$100.00} payment.Payment posted four times twice with the transaction number and twice without transaction ID number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2019, my husband applied for a loan online and was linked up with XXXX XXXX to process this loan. He was informed that several deposits would be made to his personal checking account and that he was too purchase gift cards, specifically 4 of them, in the amounts of {$500.00} each, with these funds that were being deposited into his account. By the time he realized that this may be some sort of scam, there had been {$2400.00} withdrawn from our joint checking account ( for which the information for this account had not been disclosed. ) We have addressed this issue with the bank and have filed a police report. Our bank will not work with us and is simply stating that the funds were legally transferred from the joint account to my husband 's personal 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 explanation
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern : I am filing a complaint against : Trans Union Credit Bureau, XXXX. XXXX XXXX, XXXX, PA, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both TransUnion and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via TransUnion Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Trans Union ) have only said to me that they have as per my credit report XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX ( XXXX ) XXXX description : XXXX Verified as accurate as of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Trans Union for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent TransUnion Credit Bureau information about the company in question. TransUnion has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matte for over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from 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 2018-03-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
TD Bank took an automatic withdrawal of {$10000.00}, rather than {$1000.00}, from my checking account on XX/XX/XXXX. They refuse to process the refund in a timely manner, informing me that it will take up to ten business days. It has now been ten business days, I have no money in my checking account, and do not know what path to resolution there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I finance a vehicle that caught fire twice. The first time was 2 months after i got the vehicle. They repoed my car after my credit was cleared.

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 2019-10-04
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My son went to XXXX XXXX XXXX in XXXX Missouri in 2007. I was terribly upset when they kept adding more and more dept to the student loan that I did not approve of I did cosign for his 1st semester but the school was not disclosing all the debt that they kept adding on. My son should have had his associates when he left and we also never was able to receive a copy of it or transcripts for our records. At the time they put me way over what I had agreed to which was about XXXX and the debt reached far above that. Is there any way to get out from under this debt? I feel the school did not explain and was not honest with us and this has burdened me and my son now for years. He ended up going into the XXXX after school because he was unable to get work in the computer field after going to school for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children

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 2021-09-02
Company: Experian Information Solutions Inc.
State: FL
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 taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

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 2019-05-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my brother contacted me to tell them someone called them looking for me and threatened them that they would come to his house to verify that I did not, in fact, live there. They gave the phone number XXXX with a case number of XXXX. I contacted this number and they did not identify specifically what company they were with. They said they were collection on behalf of Ace Cash Express on a loan taken out sometime in XXXX or XXXX. Repeatedly they refused to provide me with any kind of detailed information. They said the original loan is {$570.00} and they would charge me court cost of {$1900.00} and charge me with fraud. I asked the lady to please provide me with the proof of debt as required by law. She kept claiming that they don't have to provide me with any kind of proof. I am not aware of this debt and have no recollection of it. She refused to provide any documentation and simply stated that I had that when I got the loan. She transferred me then to her " supervisor '' who told me the exact thing and refused to send me anything in writing showing what I owe or the dates or amount of anything. She ultimately hung up on me and said good luck in court. I also advised them to stop contacting my family members and they said it is out of their hands they had a " state agency '' that handles that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2019-03-29
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of 2019 I applied and got approved for a Citi double cash card. After receiving the card I attempted to add it to apple pay which sent me over to the fraud department to verify my identity which I completely understood. However, once on the line with the fraud early warning department they asked me to verify a good cell number for them to text. Like a growing number of Americans I use a pre-paid plan for my cell service, which is also the number listed on the account and they could not use it because it's a pre paid number. This is apparently the only option they have. You can verify, social, date of birth or account number. The only other way they can verify is by snail mail. I went ahead and waited for the letter since the agent stated this was the only time I had to do this. About a week later it arrived and I reactivated the card and added it to XXXX XXXX and it was fine. I've had no problems until now. A few weeks ago I added on an authorized user and I was having an issue receiving his card. My apartment uses PO boxes and for some reason since the PO box was registered to me, and the letter was address to my authorized user the post office kept on returning. After the second time happened I decided to call Citi and ask if they mail it to his address. I did that this morning. I spoke to a very nice lady in customer service who after doing some verification was able to do just that. Later today when logging into the app to make a payment I received an alert to call the fraud department. I called in to fraud and was asked to go through the same process again. Again my phone number would not work and agent told me they'd have to send me another letter via snail mail. This is getting ridiculous. At this point I was quite upset and asked to speak to a supervisor. After telling the supervisor about the issue they told me essentially they could not do anything until I receive that letter and there's no other way to verify. I still had the original letter and asked if I could use that and they said no. I asked if there was anyway they could overnight the letter or expedite the letter since it's happened before and the supervisor really didn't respond except for saying there's nothing they can do until I get the letter. This is just ridiculous Citi is making me go through an undue hardship just because I don't have a contract cell phone. There has to be a better fix or solution to this. I attached the last verification letter I received in 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 2019-10-04
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it might concern, On XX/XX/XXXX I sent a letter to Synerprise Consulting Services to dispute the validly and terms of the reported debt under the terms of the Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. ( Copy of Letter attached in pdf format, as well copy of signature reception number XXXX XXXX XXXX XXXX XXXX of certificated letter ) This company without any warning and validation of the debt placed negative information in my credit report. ( Copy in pdf attached showing negative report placed by this company SYNERPRISE CONSULTING SERVICES. ) I asked the Collection agency to Submit verification of this alleged debt and include documents mentioned in the letter mentioned above. As an answer from this copy, I just received a page saying the total amount owed is accurate. But, without sending any requested document for verification of the debt. ( Copy attached of their document ) THEY FAILED TO COMPLY MY REQUEST OF VALIDATION.

I also include three pages shows this debt does not exist. 
It was paid directly to the XXXX XXXX. 
The hospital authorized me insurance directly from XXXX XXXX what they call XXXX Connection. 
The hospital account is XXXX and all charges from XX/XX/XXXX to XX/XX/XXXX balance is XXXX. 
In copies attached shows a number which is XXXX to confirm there is not such debt. 

I want to stress I never signed any document with any company ONLY with XXXX XXXX. 
And this collection company has violated my rights according to Fair Debt Collection Practices Act and Fair Billing and Reporting Acts.

As well has caused me too much damage in different ways like : Emotional stress loses in my business as consequence of this negative report, immobilizing my life in different ways, all my invested time and affecting my family among other troubles caused by this negative report of this Collection Company SYNERPRISE CONSULTING SERVICES.

I do not forget to mention they have called me in different times and different hours which I will proof in Court with the reports of my company providing me my telephone service. Yes, I will proceed to  pursue all causes of action against this company to seek all legal actions available. Yes, I will file a suit against this Collection Company SYNERPRISE CONSULTING SERVICES. 
I kindly ask to this honorable Government Institution to apply all legal corrections and penalties to this company SYNERPRISE CONSULTING SERVICES for ALL the violations to my rights and keep me informed. 
Please if you might need any additional information or have any question, do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Texas, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted EOS in regards to a XXXX debt. We made arrangements for me to pay off {$540.00} of a {$720.00} debt. The representative told me that once the debt is paid off, it would show as a zero balance on my credit report. I asked for them to put that in writing, but they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Struggling to pay mortgage with a chapterXXXX which took most Of the abailable income. They added in a forgiven loan and virtually made it impossible to re-finance, as we were told by the company No matter what we made it wasnt enough! We lost it ( XX/XX/2018 )

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