BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student loans from multiple college consolidated into Sallie Mae loan which was supposed to be forgiven after XXXX year of being XXXX XXXX but instead they're still trying to collect & I've now been XXXX since XX/XX/2000. My doctors have repeatedly filled out their forms but nothing is done about it. My student loans of {$300.00} are now with interest! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: AL
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:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

I NEVER gave Equifax any written instructions to furnish and/or apply any information on my consumer report which is a violation of 15 USC 1681b . Equifax has caused severe stress and anxiety due to the abusive and unfair practices. I have requested this false information to be removed from my report and they have failed to do so. My demand was issued XX/XX/XXXX for the alleged XXXX XXXX XXXX XXXX in the amount of {$13000.00}. 

Equifax has broken the law by report medical accounts to my report. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Equifax has not validated nor verified that I owe the alleged debt. I have requested for original documentation to be produced and sent to me for verification, this has been a total fail on Equifax part. This demand was issued XX/XX/XXXX for the alleged debt of {$210.00} by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent to validate debt onXX/XX/21,XX/XX/2021, andXX/XX/2021. As of today nothing has been communicated with me. This is a collections account with XXXX XXXX appearing as open with a past due amount of {$0.00}. 

I am not understanding how this account can still be open with a {$0.00} balance. Furthermore, nothing was sent to me that would validate this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a 6 months no interest card from Syncrony Bank, a Care credit  in XX/XX/2020 card due to an XXXX  XXXX  XXXX. I initially charged the card with about {$1600.00} and 2 months later about {$230.00}. The remaining balance, after the promotional 6 months offer was up, was about {$390.00}, XX/XX/XXXX. 
Now they are charging me about 32 % on that remaining balance, {$120.00} (!!!! ). I called the customer service and they told me that that amount is actually calculated on the initial balance. If I almost paid off the initial balance except {$390.00}, how does it make sense to charge me on the paid off portion, too?!?!?! 
I'm thoroughly disgusted by their predatory practices, to take advantage of someone, who needed medical help. I would be ok for them to charge me interest on the remaining balance of {$390.00}, but not on the initial balance I already paid off during the 6 months.

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 2020-05-09
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a procedure in 2017 at XXXX. XXXX Hospital did not send the bill to my insurer ( XXXX XXXX ) for over 6 months. This voided XXXX 's contract with XXXX XXXX and my insurer refused to pay them. They illegally sent collections after me because XXXX XXXX ( premium PPO ) refused to pay their late payment request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was involved in a car accident and then taken to the nearest hospital by the ambulance. I give them my medical insurance card and also my auto insurance. They should contact and billed my health insurance/ auto insurance instead of myself. I just found out that the debt went to collection agency. I was so XXXX that I eventually paid them first and thinking that my insurance will reimburse my payment. Eventually they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX - LATE PAYMENT WITH DIFFERENT BUREAUS - HOW IS THAT POSSIBLE? 

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 2018-12-12
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get current on my mortgage ( serviced by Seterus ) but the arrears became seemingly insurmountable. I was advised by the Seterus customer service team to apply for a loan modification to mitigate the potential loss and retain my home. I was not offered any other options. While the loan was under review for the loan modification, it was also scheduled for auction ( " double-tracking '' ). 

I was notified by the customer service rep I spoke to on Friday, XXXX XXXX that my loan modification was denied. To date, I have received nothing in writing stating the denial. ( It is only because I have called Seterus daily that I have any insight as to the status of the review for a loan modification at all. ) At no point was I ever given the opportunity to explore all loss mitigation options beyond the loan modification. Seterus never advised me of all my options to avoid foreclosure. 

With the auction date set at XXXX XXXX, and never having even been given the opportunity to explore any loss mitigation options other than the loan modification, I spoke to and emailed a loss mitigation manager to request a 60-day postponement to the auction. This will allow me the time I need for a short sale to mitigate the loss. I have a listing agent who is willing, ready, and able to put my home on the market and execute the sale in a timely manner so my family and I don't face foreclosure. The loss mitigation manager said it was " unlikely '' the auction would be rescheduled. 

I would like to fully exercise any options available to me to avoid foreclosure and feel I haven't been given the information or time that I need in order to do that -- having just found out about the denial of the loan mod just 8 business days before the auction date of XX/XX/XXXX.

Can you please assist in this matter? I would like to explore my  options and take steps quickly for the short sale. Seterus has not been forthcoming with important information that could potentially prevent the loss of my home to foreclosure. I request an additional 60 days for the opportunity to appropriately explore loss mitigation options. 

I appreciate any assistance you can offer. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: NY
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:
in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with navient and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020 three transactions were made on my card which I did not make. 
1. XXXX - {$19.00} 2. XXXX - {$1.00} 3. XXXX - {$970.00} When I saw these transactions, I immediately called the bank and reported the problem. The operator told me that the money was most likely stolen and blocked my card and reissued a new one.

Since the money was stolen from my card, the operator redirected me to another department working with this problem. After about three hours of waiting, the operator reported that there were no free people and asked me to call back next time.

I went to the bank office, but I was told there that they did not understand this problem and told me to call the support service.

More than three weeks have passed and I still can't reach the bank, I am constantly switched to another department, I wait 2-3 hours for an answer and the call is reset.

It is no longer possible to do this every day.

This money comes from unemployment, I have XXXX  children and this money is very important for us. I still can not understand why the bank treats its clients like 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 monetary relief
Consumer complaint received 2020-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a citi double cash card which ended with XXXX. On or about XXXX, I opened my paper statement for the billing period XXXX and found of the 25 charges made to my card, 17 of them were not made by me. I did not lose or lend my card. I called the card company, disputed the fraudulent activity and paid for my charges immediately, as I always do. Prior to getting the next statement for the billing period in the mail, I got an e-mail, on or about XX/XX/XXXX asking to contact the credit card company. Upon contacting the card company, I was asked about the 25 charges transacted from XXXX. Of those, 24 were made fraudulently and i disputed them. I was then issued a new card. On XXXX XXXX, I received a brief letter from the card company, stating that as I did not lose or lend my card, the dispute was closed. I then sent a letter, via certified mail, to citi bank security services dated XXXX, reminding them that turning their back on their customer without attempting any due diligence on their part, implies that I am the one who is a fraud, a cheat and a liar and that implication is indeed slanderous. I then pointed out the inconsistencies of the disputed purchases with regards to the prior 11 months of my card use, the frequenting of places I have never been, neighborhoods and cities I have never visited as opposed to the very limited sectors I used my card prior to the disputes. As I understand it, the credit card company is required to reply to me in writing within a certain number of days. That time has long passed. I maintain, in the strongest possible terms, that I did not make any of the disputed charges, and insist that all the disputed charges, fees, and interest be removed from my 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 2021-07-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A local Chase Bank representative told me that he could get the monthly fees waived from my account, as I was planning to use the account in the future to switch my banking from XXXX to Chase for primary use. The fees continued shortly after, at which point I decided to attempt to close my account. On XX/XX/XXXX, I sent a secure message to Chase stating I would like to close my account. On XX/XX/XXXX, I received a message saying I couldn't close it because it was negative due to the fees. 

I had intended to pay the fees to close it out but not even a month later my account was shut down. I do not know the specific day but it was no more than a month. I received no warning that my account was going to close and now they have reported me to XXXX over {$24.00}. When I went into my Chase account to view the account history and anything that would be important for me to know about the account closure, I could not find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Merchants' Credit Guide Company
State: IL
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/2020 I wrote a certified with returned receipt letter ( # XXXX XXXX XXXX XXXX XXXX ) to Merchants Credit Guide in reference to an amount posted on my credit report for the amount of {$150.00}. As the Fair Credit Debt Collection Practices Act ( FDCPA ) they are not allowed to report to any credit report bureaus ( XXXX, XXXX   & XXXX ) until I verified this account. Merchants Credit Guide reported invalidated information to the credit bureaus without my knowledge. In addition, under the Health Insurance Portability and Accountability Act ( HIPAA ) Merchants Credit Guide is in violation of the act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

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