BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

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 2022-01-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Was offered {$300.00} to open an account with a minimum of {$1500.00} after 90 days. Did not get bonus after making deposit.

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 2022-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plus, XXXX XXXX and XXXX XXXX should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: West Coast Servicing, Inc.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Rocket Mortgage, LLC
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:
Other than a record of correspondence and interest in a loan product on XXXX XXXX & XXXX 2016 the response provided no proof of my intent to apply for a loan through Quicken loans. It is my position that no soft or hard loan application form was ever filled out and therefore submitted on my behalf nor was any permission given to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX  and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and 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 2022-03-01
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Home Loans agent XXXX XXXX was handling a cash out refinance that would have helped pay off a trailing second mortgage and some debt on my credit report. The appraiser XXXX XXXX devalued my home by 120,000. I have a 5 bedroom home with 3 full baths and 1 half bathroom. My report has all of the rooms and bathrooms labeled but is inaccurately reflected in the report as being a 4 bedroom home with 2 1/2 bathrooms. I have a two car garage attached to my home then a separate 3 car garage structure that is missing from the report completely. My home was compared against homes that do not reflect what my home possesses. XXXX XXXX stated that the loan was denied and there was nothing Caliber Home loans could do to assist me. I feel defrauded and devastated by this process. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Myself and my mother went into the company and spoke to the person in charged on that day and informed her that I would be in to settle the rest of my responsibility of amount owed which was under {$500.00} at that time for a membership at XXXX XXXX which I had for less than a year, she verbally agreed and gave me a number to contact her when I was ready. The next thing we knew within a weeks time, my account was sold to a debt collector and the amount is now nearly {$3000.00}. I know that I was late honoring my responsibilities but there has to be a law against what was done. I have yet to receive a notice or a phone call. 
And who is this debt collection company adding all this extra money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was mistakenly informed on a number of occasions that my IDR would be backdated to have no out of pocket costs to me and I would not have to use my general forbearance time. Then I was erroneously told I would have an administrative forbearance. I agreed to use my general forbearance time because I really was given no choice in the matter, but was told I would use a MAX of 90 days with the rest being covered by a delinquency forbearance. I received correspondence dated XX/XX/2019 re my forbearance request approval, and it states XXXX, an extra 31 days of my forbearance time I was told I would not have to use any of. I have filed three internal complaints that I have been informed have no way of being tracked or shown their effectiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ENOVA INTERNATIONAL, INC.
State: CA
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:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I sent the amount of {$850.00} to an deactivated account I try to fix the issue trough my bank but the bank already sent the the payment to the venmo app, I email, and call the number and email that the app company shows but they said that they cant do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Automated Accounts Management Services
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector AAMS shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at XXXX. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had a XXXX Credit Card through Comenity Bank ( worst bank ever )! Did not use card and then get charged a fee for not using card so I told them to close the account. I didn't use it that often and to get charged when not using it is ridiculous. But they would not close account and kept charging me {$10.00} so i finally paid {$30.00} to just get rid of them and they finally said they would close account. Several months later I got notice from a collection agency regarding outstanding bill. Now 5 years later it up to {$300.00}. What can I do? This account was closed and bank still charged!!! This is 5 years later!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: CA
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:
I recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX   with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX   with an inquiry date of XXXX XXXX, XXXX and XXXX with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

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 2017-07-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.

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 2019-07-30
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-01-05
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So the day of XXXX XXXX,2017 I went to withdraw a somewhat big amount but was denied and the lady behind the counter told me was blocked and probably said it could be because you made a small purchase at. Such place then a big might still be processing and they 'd think that 's sketchy and I thought that was all bad so she gave me a number where tocall and I did got told that it will be closed did n't say a reason and told me I could withdraw my balance yet o went back to the branch and was told no I could not and they too called for it and I was like well I spoke to one she said I could withdraw he said no until it 's reviewed then it 'll be assign to someone and you can then call and see what is going on.

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 2018-01-05
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After submitting complaint XXXX Truist raised the escrow from XXXX a month to {$420.00}. This feels like retaliation and harassment. 

This is the insurance they have listed on my account details. 
Policy Number Policy XXXX  ommited Annual Premium {$1300.00} Policy Expiration Date XX/XX/XXXX Due Date XX/XX/XXXX Insurance Company XXXX XXXX They have the property tax listed at {$0.00} My current escrow balance is {$970.00}. 

To this date, they have only paid {$17.00} on my behalf due to an insurer canceling. 
We have our own insurance and pay our own property taxes. 
{$420.00} seems like more than XX/XX/XXXX of their stated escrow shortage. 

We would like to have the escrow waived or at least ceased from this point on. Based on our history they have more than enough cushion with the current escrow balance. An extra {$420.00} is roughly 18 % of our base mortgage payment which seem exorbitant. 

Apologies for the additional complaint, but the company doesn't seem to offer any solutions except raising our monthly payment.

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 2022-01-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation