BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had complained in the past, case number XXXX. 

This company, without giving nay proof, gave statement to you guys to get the case closed. As per their statement, I never received any document. You should ask them to send you guys their documents and attached it here in this complaint. 

This was company 's response, but never Any Document was received by me. They need to send the Document to you guys. The client they are claiming, I had contacted them, they didn't have any past due record. 

" Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX and XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$1400.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer 's minor child on XX/XX/XXXX. We have verified with our client that he information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer. '' Need to be stopped.

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 2019-01-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX calls and texts serval times a day. This company has the wrong number for the person they keep asking for. They are trying to use a 3rd person tactic. The person that is being requested we have no connection to. It's been going on for a month. The text number comes up as XXXX and phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Remitly, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/2020 I used Remitly.com to attempt a transfer of {$100.00} to my bank account at XXXX XXXX XXXX XXXX ( XXXX ). They charged my debit card for this {$100.00}, and the automated response indicated that the funds would be available in the account by XXXX XXXX  on XX/XX/2020. The funds have still not appeared in my account. There is a link from my confirmation email from remitly.com to track the transfer. Every day since XXXX XX/XX/2020 I have followed this link, and the delivery date keeps being pushed forward to the present day at that website. The most concerning thing is my attempts to contact them have all failed. They have a " contact us '' web page that offers three methods : online chat, phone, and email. Only the chat method ever shows availability, but the link there appears to be inactive, it does not direct one to any chat page. I have attempted to follow the chat link each day since XX/XX/XXXX, and it is totally unresponsive. As a result of my experience, from remitly.com I would request that my {$100.00} be returned to me without charge, but there appears to be no way to contact this company to seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: PRESTIGE FINANCIAL SERVICES 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 information incorrect

Complaint:
Prestige Financial Services has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Bank Private Client Checking Account # XXXX  I reported my debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. There were 4 transaction on the card that I reported as unauthorized, which are as follows : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX for the amount of {$5200.00} posted on XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX for the amount of {$5700.00} posted on XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX for the amount of {$130.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$970.00} posted on XX/XX/XXXX It is now XX/XX/XXXX that I am filing this complaint, and no credit has yet been appeared on my account for these fraudulent transactions. The agent on the phone told me that I would receive a temporary credit for these transaction within 24 to 48 hours pending an investigation which could take up to 30 days. Since the debit card PIN has not been used in any one of these transaction, according to law, I am not to be held liable for any of these fraudulent transactions, since the reporting of the fraud was prompt. Please assist. I have tried calling the claims department multiple times to check on the status of the claim and why I have not yet received the credits, however, I have been unable to reach an agent due to the long waiting times. Thank you for your time and consideration. 
-XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They close my account for no reason.

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 2018-01-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression 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 2018-02-21
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a first mortgage loan with Home Financing Center in XXXX XXXX Florida which I paid off with a refi from another institution. The closing with the other institution took place on XX/XX/XXXX and Home Financing Center received the payoff on XX/XX/XXXX. I had approximately XXXX in escrow with Home Financing Center and they have not returned those funds to me or to the other institution. I have emailed them, I have called them and approximately a month later they have not returned my funds. This is unacceptable and can not be allowed to happen. 

XXXX XXXX loan number 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 2019-01-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Forbearance plan was put in place after Hurricane Harvey. I was already 2 months late before I called and requested assistance and had over $ 5K of late fees on my account. I was called and offered the plan and was told over the phone that if I make 12 monthly payments of {$1800.00} ( Normal payment was {$1300.00} ) starting on XX/XX/XXXX and didn't miss any payments the whole 12 months, I would be all caught up and have no past due payments and all of my late fees would have been paid off as well. I was very worried about the large payment, but I had no other choice at the time. It was a hard 12 months, but I was able to make all of the payments on time and made my last payment this past XXXX. I even called them early in XXXX to validate what I was told and that after I make my XXXX payment all past dues and late fees would be paid off and my normal payment of {$1300.00} would resume and be due on XX/XX/XXXX.  They told me " YES ''. Even the automated system said after I made the XXXX payment that my next payment due is in the amount of {$1300.00} and is due on XX/XX/XXXX. Now they are totally changing everything up on me and telling me that I still owe the late fees and that all of these payments I've been making all year were going to the past due amounts that I had before Harvey and that even though I made large payments in XXXX and XXXX it still shows those months as being not paid. I asked to speak to the person who set up the repayment plan and was told they no longer work there. Now when I go online it no longer shows that my next payment of XXXX is due on XX/XX/XXXX.  It now shows that it is due for XXXX and I am two months late on payments. RIDICULOUS. WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: FL
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 Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They say due date is XX/XX/XXXX. You make a payment XX/XX/XXXX. That payment is not applied properly and they charge you late fees if you do not notice and do not call in time. 

They made PMI cancellation a nightmare and pretended that loan needs aging of one year and then two years LYING on the phone that it can not be done before that. Turns out that it can and they just cancelled PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to do a mobile check deposit with a settlement check that was drawn under they're bank, Wells Fargo! The account was in good standing & the check had been verified! I still was unable to deposit this insurance check drawn under an account at Wells Fargo!

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 2021-08-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I have the receipts and the debit cards where I purchased the two cards they were serve American Express debit cards when was for XXXX  the other one was for XXXX  supposed to send it to my lawyer to pay for some fees and I got home and checked the cards and they were empty and I called the company and they said you got a register so I did or it said it was complete couldn't find out it didn't register so I went back today and tried to register again tried talking to them see if they direct me or have another way to do it nope it would not help but he said you got to register it with no other way also I tried I'm on my phone of course I tried to registered would not allow me to register so the furniture gone off the cards they won't let me register and they won't do it any other way they will not help they did not have an answer for that that you said I haven't registered I want them out of business because they're not supposed to feel the full money off my card number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX Credit file.

I did not request this.

I want the Fraud Alert Removed! 

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO TRANS-UNION AND XXXX.

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

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 2018-12-08
Company: EQUIFAX, INC.
State: GA
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 have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Navient Solutions, LLC.
State: NC
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:
Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. 

Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. 



Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX  Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND EXPERIAN. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

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 2018-06-11
Company: Critical Resolution Mediation LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call in XXXX and again today ( XX/XX/2018 ) from a man who said his name was XXXX XXXX from Critical Resolution Mediation at XXXX regarding a debt referred to them for collections, and if I did not contact him directly today to stop the action, delivery would be made to my residence and my employment on XX/XX/2018. He never said delivery of what, or what the debt is for. I do not have any outstanding debts. I have never received any notices, which makes sense since I have no bad debts. 

In XXXX I called the number back from a blocked number and a very rude woman answered. I asked for the name of their company as someone from their number had called me. She said if I didn't know who I was calling she sure as XXXX wasn't going to tell me XXXX. 

I looked the name of Critical Resolution Mediation up online, and they list a different phone number than the man who called me listed. Both show up a Georgia numbers/locations however. 

I will not be contacting them again. They are extremely threatening, a complete scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation