BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I saw that I had a new medical debt in collection with CMRE Financial Services and the Original Creditor : XXXX XXXX XXXX XXXX. I never received any bills, nor phone calls from either company. I called CMRE the same day asking them for the contact information to XXXX XXXX  and informed them that I never received any bills. CMRE refused to provide the information and told me they made several attempts to contact me at an address and phone number I haven't had and lived at for over 10 years. The rep I spoke with attempted to collect the debt, but I refused because I needed proof of the debt first. I found XXXX XXXX 's phone number on their website, and made several calls, left messages, and sent emails, but I couldn't get through and no response. On XX/XX/XXXX, I called my health insurance company asking them if XXXX XXXX ever filed a claim with them for their services, and my insurance rep was not able to find any claims from XXXX XXXX. My insurance rep was able to put me on 3-way and called XXXX XXXX 's billing department on another number and was able to get XXXX on the phone. XXXX confirmed that they did not submit a claim because they did not have my insurance information. She also did not have the correct phone number and address for me. I asked who gave her incorrect information on me, and she let me know XXXX XXXX XXXX XXXX XXXX did. I knew this to be true because they gave the wrong information on me to all the medical companies that provided me service on XX/XX/XXXX. I had to call every single one that submitted claims to update my address and send me the bills. I even called XXXX XXXX XXXX asking them to make sure they update my information and send it to all parties that will be billing me, but apparently, they did not. I gave XXXX at XXXX XXXX my correct information and asked her to submit a claim to my insurance company. I asked her to take back the debt from CMRE and have them remove the collection from my credit report since I will pay the bill once I receive it. She told me she herself can not remove the collection until it is paid in full. I argued that it should've never went to collection in the first place since I had no knowledge of the debt and I want it to be completely removed. She told me she will take back account from CMRE, submit the claim for me, and will tell CMRE to remove the collection from my credit report. I asked her to send me that in writing that she will have CMRE remove the collection, and she said she would. I called CMRE to inform them and they told me they will only do what their client tells them to do. I filed disputes with all 3 credit bureaus, and still, no changes were made because CMRE reported back that information was accurate. As of today, XX/XX/XXXX, I still do not see a claim submitted to my insurance company. I still have not received any bills. No updates. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: ONEMAIN FINANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My XXXX year old mother ( I am her daughter with a durable power of attorney that covers heal and finances ) took out a vehicle loan with One Main Financial last XXXX ( 2019 ) for {$4500.00}. She is now in poor health and can no longer drive. 
I am trying to sell the vehicle for her but the office of One Main Financial will not 1 ) give me a payoff amount, 2 ) release the title. 
The situation is that my mother already had a signature loan with this company at the time she borrowed the {$4500.00} for the car so the finance company just added the two loans together. I was in the office when my mother signed the paperwork on this loan and I DID ask more than once if the title would be released when {$4500.00} was paid and the loan officer, XXXX, said yes. 
So now I have been trying for a few weeks to get a payoff amt. Finally last week I was given a figure of {$3000.00}. 
I took a cashier 's check for {$3000.00} up to their office today but was told that the title had to be " sent for from the main HQ. '' By snail mail. And they would not give me ANYTHING in writing showing that the title would, in fact, be released. I withdrew the cashier 's check at this point because I do not trust that the title will be released. 
Please advise as to how I can find out : Current vehicle payoff amount and how to be assured that the vehicle title will be released when this amount is paid. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My initial complaint through CFPB about Credit Acceptance was submitted on XX/XX/XXXX ( XXXX ). My complaint is related to Credit Acceptance failure to notify the co-signer as well as myself of intent to sell a repossessed vehicle. On XX/XX/XXXX, I received a phone call from XXXX XXXX. XXXX  was unprofessional during the phone call, as it seemed as if he was trying to coerce me into saying that I received notification of intent to sell. Credit Acceptance responded to my initial complaint by providing documents that were supposedly sent to the co-signer as well as myself. The problem that I have with the alleged proof a notification sent before selling the vehicle is that the co-signer denies receiving notification as implied in the response by Credit Acceptance. The co-signer has resided at her residence for over 10 years. Therefore, its not possible that she didnt receive notification due to relocation. Hypothetically speaking, if its a possibility that I didnt receive my notification because of an issue related to the postal service, how can it be possible that two individuals with separate addresses not receive mail coming from the same company. I strongly feel that the documents provided by Credit Acceptance are falsified.

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 2022-08-06
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted on XX/XX/XXXX from Meade and Associates via phone call in regards to a supposedly unpaid medical debt from XX/XX/XXXX and XXXX of XXXX. I was first told that there were two bills ( one for {$150.00} on XX/XX/XXXX and one for {$48.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. I had not received a written letter from the collection company nor have I received these bills from XXXX. I contacted XXXX billing and they confirmed that I had paid these in full through both of my insurance companies. I confirmed the reference numbers and amounts provided by Meade and confirmed that these are the paid bills in collections. XXXX agreed to send a letter to me via snail mail confirming the amounts paid in full and I should receive it in 10 business days. This information was shared with Meade and Associates. They did not respond.

When I called Meade and Associates back, they changed t
heir story. Now, they are claiming that XXXX XXXX submitted the debt. I called the XXXX  department who were confused as they do not handle billing and they forwarded me to the billing department who again, confirmed I paid in full and should not be in collections. I relayed this information back to Meade with no response. I even called my doctors personal billing department and they have no record of me in that unique department so I could not have a debt as I do not have a profile/account. 

Today, on XX/XX/XXXX I received another call from Meade and Associates with a NEW story from them. Meade claimed to have contacted XXXX on XX/XX/XXXX and said I had an outstanding balance with XXXX. Apparently, Meade and Associates have been emailing back and forth with XXXX XXXX XXXX ( which I have never been to before ) about me and my debt. When I asked for the email they ( Meade ) were emailing to, they refused to give it to me. I called XXXX and spoke with several supervisors who were all just as confused as me because Im not in their system nor do they work with Meade and Associates for collections. XXXX believes this is a scam at this point or potential fraud. 

It has been over 7 days since Meade and Associates have first contacted me. I still have not received a straight answer where this debt has come from, who sold it to them, who to contact, nor have I received a written letter confirming this supposed debt from this collection 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 2022-08-25
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Affidavit was sent to Mercerdes Benz Financial services, it was never rebutted by affidavit as requested, they have acquiesced to my right of possession under ucc 9-609 after default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: SYNCHRONY FINANCIAL
State: CA
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 placed an order today ( XX/XX/20 ) and was charged too much for tax. When contacting the company about it, I was told to accept a gift card and to dispute through the bank issuing the card the order was paid through. When contacting the bank to address the dispute, I was hung up on. I was overcharged .015 % and am not interested in a promotional gift card, I am interested in correcting the rate assigned to the purchase in order to more confidently plan for any future purchase I might make. It is unacceptable to be hung up on when explaining this to the bank, who has seemed to refuse the dispute by hanging up on 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 2020-05-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CHASE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CHASE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX  Inquiry from XX/XX/2021 Bank XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Bank XXXX  XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX  Inquiry from XX/XX/2021 Finance XXXX/XXXX  Inquiry from XX/XX/2021 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

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 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX Capital One bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Capital One bank a/c # XXXX To the office of director of Operations Dear sir, I kindly write this letter to your office in reference to the above account, For you, to instruct the right department to research, audit and refund me A short balance of {$27000.00} as per attached Excel summary as soon as possible. 
The book reviews a record from XXXX to XX/XX/XXXX Note : 1 ) I HAD CREDIT CARD WITH CAPITAL ONE BANK ACCOUNT # XXXX AND I MADE A FINAL SETTELEMENT OF XXXX {$930.00} in XX/XX/XXXX in full But asked to pay two times {$130.00}, XXXX so paid again asked to pay for third time 2 ) I traveled to XXXX and made a purchase of over XXXX {$5000.00} But cancelled the transaction, and the XXXX and XXXX refunded this money to the credit card company but Capial One bank denied. so after long and problematic process money was refunded Partially, having a credit card insurance. 
3 ) as per my Report to consumer finance protection office I had a balance of XXXX XXXX XXXX ( usd XXXX ) Per recorded but the bank system gave me a balance of XXXX XXXX ( {$3500.00} ) A short balance of ofApprXXXX {$6500.00} 4 ) I was denied a right to a year bank statement instead asked to pay USD {$200.00} for the statement against the law, calculating I do not have the money in account, still I request this bank to produce A two year bank statement and mail to my XXXX address 5 ) I was deprived a right to reset online password by email security authentication, still request to send me a password reset via my XXXX account Thanks XXXX XXXX XXXX cXXXX XXXXXXXX, va XXXX XXXX XXXX C.C - consumer finance protection bureau Office of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$2100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$2100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying for over 3 months to close an account that had a fraudulent ACH charge processed on the account. I have called Bank of America in excess of a dozen times to try to resolve this and been on hold and/or with multiple representatives for multiple hours, with no progress in resolving this problem. The account is presently showing an almost $ XXXX deficit when I log in on line even though it should have a small positive balance. This is causing problems with all of my account summary views since they include this negative balance. I would appreciate it if someone at Bank of America could attend to this before the end of 2020.

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 2019-03-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: NY
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:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, Equifax and XXXX I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with Equifax XXXX Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX   XXXX ). This is the only amount that still shows up on each statement until XXXX   XXXX XXXX attached statement ). The statement for XXXX XXXXXXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: NC
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:
when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX there were unauthorized charges on my American Express serve card, upon noticing these charges I immediately called to have the card shut off and dispute the transactions. After a few weeks without a response and after calling to inquire many times, on XX/XX/XXXX I filed a complaint with the CFPB. In retaliation for my complaint on XX/XX/XXXX American Express denied my dispute. They gave no reason to deny my dispute other than in response to my complaint. This is entirely the fault of American Express because they haven't chip enabled their cards so my number was stolen.

Company response to consumer: Closed with explanation