BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX, after going back and forth with XXXX XXXX XXXX Hospital and XXXX XXXX, and getting a response from XXXX/Commomwelath, I have gotten many different answer to my issue. I spoke to the finance director of XXXX XXXX XXXX Hospital, he states that my insurance was provided to all providers at the time of service and I should of been taken care of just with a copay, XXXX XXXX states that if the claim was processed on time, my copay for Doctor XXXX XXXX XXXX office ( now in collections by XXXX XXXX/Commonwealth ) and other expenses would of been taken care of by my FSA account from XXXX, instead XXXX XXXX XXXX  office filed the claim on XXXX, 2 years later. I shouldn't be held accountable because and office forgot to do a claim, I don't mind paying my part or my copay. XXXX XXXX states that it is not patients responsibility and states that they can be contacted by collection office at XXXX, member number XXXX, and also provided me their XXXX XXXX XXXX, XXXX, FL XXXX. 

Complaint filed on XX/XX/XXXX : On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from Commonwealth Financial Systems , INC collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly. This is illegal, this debt has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken pre-approved a mortgage to me for a home in XXXX on XX/XX/XXXX. As you can see from the letter, " the loan [ was ] formally underwritten and pre-approved subject only to receipt of a satisfactory appraisal, purchase contract and preliminary title report. '' We provided all documents timely to Quicken through our mortgage broker. Initially, we did not file our tax returns for XXXX, as I had submitted my business tax returns for XXXX. Quicken came back and said I actually needed to file my taxes in order to fund the loan, so we did. I owed an additional $ XXXX in XXXX taxes, and Quicken needed proof of payment plan which would take 60-90 days, so we paid out of pocket, in part using credit cards to meet this obligation rather than the lower interest IRS payment plan. 

We extended the loan contingency one week to allow enough time to pay the IRS and FTB, with a new date of XX/XX/XXXX. On XX/XX/XXXX, Quicken informed our broker that they could not fund our loan because the new home was over 75 miles away from my office and I had " travel expenses '' reflected in my XXXX taxes, which they concluded that meant that I couldn't be a remote worker. I drafted a letter of clarification ( the travel expenses were largely the result of two retreats and one pro bono week-long activity ) and Quicken still refused to fund the loan. This was the day our loan contingency was due to be terminated, and the first we had heard of this issue. 

They asked us to perform, and we jumped through hoops, and now we may lose the house because of their changing policies and inability to discuss issues at the onset of the process. They blamed COVID for the changing policy, but we were never informed that they could change policies after we accepted and performed at their request. This is unacceptable, they should not be able to provide assurances that we are underwritten and then pull the rug out for such a silly reason ( BTW, I am XXXX and I work remotely ). I would not have put an offer on the house if I knew that I wasn't really underwritten. This is deceptive. Now that we have already put our 30 days at our rental, we are stuck-and the other lender that our broker identified has a much higher interest rate and we would not have acted pursuant to these terms, but now we have no other choice. Quicken should honor their promises, especially when we already accepted and performed at their request and their assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Key 2 Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Key 2 recovery inc. sent my account to collections. I have not received any notice via mail or phone regarding the balance. When I have reached out to them they fail to return my calls or emails. 

They reported my account to XXXX  however they made no attempt to contact me to settle the matter. The account is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH. 
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Westlake Services, LLC
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2022-10-05
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been trying to get a lien release on a Home Equity Line of Credit from XXXX originated by XXXX XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX  from XXXXXXXX XXXX XXXX  ( who acquired XXXX XXXX XXXX XXXX on XX/XX/XXXX. The loan has been paid off for many years and apparently the Bank did not do a Release. According to the FDIC, Citibank aka Citi Mortgage acquired XXXX XXXX XXXX We have attempted to get a lien release from Citi and they are saying they can not find any information. Both the trustors on this Deed are deceased. I am the Executor/Trustee for my parents ' estate. The property is currently in escrow and is scheduled to close on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: FC HoldCo LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I asked for one payment to be pushed to the end of my loan so Flagship Credit Acceptance LLC would stop calling my phone 5-6 times a day and my work 1-2 a day. I am always paying in the month in which I am due. Except once when I was a few days behind. Then I found out they were charging me a {$10.00} a day per diem, I feel like that is predatory lending. I pay my car note bi-weekly and I have my bank statements to back that up. I am being charge a {$40.00} late fee all of a sudden because I am paying bi-weekly even though I have been paying bi-weekly since the life of the loan. I have told Flagship since XX/XX/2020 I have impacted by covid-19 and my pay has been drastically reduced. 

Flagship told me NOT to email them because they received too many emails and they were overwhelmed. Then I thought to myself a couple months later I better email them so I have documented proof, so I did. I asked to put a payment on the end of my loan, they made me listen to a recording. then they said it has to be approved by their management and I have never heard another word about it. 

I am trying my best and I am not even a month behind. They harass me daily with excess calls to my personal phone and work and their fees are corrupt. I need help to get out of this loan and transfer to another servicer. I can not believe that XXXX XXXX would deal with a company 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 explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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:
EXPERIAN KEEPS SENDING ME THE SAME MESSAGE AND IS NOT ADDRESSING MY ISSUES PERTAINING TO IDENTITY THEFT,

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 2021-03-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference to account XXXX which showed as opened on XX/XX/2020 for the amount of {$200.00}. The original creditor is showing as XXXX XXXX XXXX XXXX XXXX XXXX ). This debt has been showing on my credit report with different collection companies and Ive previously disputed this account since I have not received an original contract with my signature showing this account belongs to me. If you can not send proof as request, I am requesting this debt to be removed from my credit reporting.

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 2021-03-02
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our XX/XX/XXXX payment was sent electronically by our bank as always BEFORE the first of each month since XXXX when we purchased this home in Nevada. A month later It STILL AS NEVER POSTED TO OUR ACCOUNT AND we received a late notice about this payment. We had to make an additional XX/XX/XXXX payment so we wouldn't be charged a late fee and to keep this information from posting to our excellent credit rating. Our mortgage has changed hands three times starting with XXXX, LoanCare, and now with XXXX. We are so frustrated with this company and can not get anyone to credit our payment. ADDITIONALLY we want our interest adjusted accordingly since the payment was sent AND received by XXXX XX/XX/XXXX. The amount of time we have spent on fixing THEIR PROBLEM has been unbelievable waiting on hold to speak with someone ONLY TO BE TRANSFERRED to another department and put on hold a second time!! 
Customers should have a say who they want to take over their home loans NOT THESE SHODDY so-called mortgage 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
Consumer complaint received 2020-01-29
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received two calls thus far from Merchants Credit Guide Company our of  XXXX claiming that I owe a debt. However, they will not give me information regarding this debt unless I provide them with my birthdate and other personal information first. I am worried this is a scam and did not give them my information unless they give me their information first. They called from a phone number XXXX XXXX XXXX XXXX. My FICO score is XXXX. So I have no idea what debt I could have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Capital One closed my personal credit card ending in XXXX that Ive had for almost 14 years and business credit card ending in XXXX that I had for about four months. Both accounts were closed without reasonable explanation. Prior to this my account was under review for fraud investigation and I was required to verify my identity, I submitted a copy of my drivers license as requested. Not long after a decision was made to close my accounts and I believe it was due to discrimination ( Race, age, gender ). On XX/XX/XXXX I spoke with several customer service agents who could not identify the reason my account was closed so they transferred me to the fraud department. I spoke to a manager who was rude and refused to explain to me the alleged violation that cause them to close my account, he told me that Id receive a letter explaining the reason and their decision was final. I asked to file a consumer complaint with someone above him and he directed me to the companys website and ended the call. I called back XXXX to ask again the reason why my accounts were closed because the letter did not give an explanation. I spoke with XXXX in customer service ID XXXX, she could not identify any violations so she transferred me to the fraud department. I spoke with XXXX ID XXXX, could not identify a reason and told me what the previous manager in her department said stands, this agent spoke over me when I asked about filing a consumer complaint and blind transferred me to XXXX ID # XXXX. XXXX told me that my account was closed due to activities that she could not disclose to me, I asked her to submit a complaint on my behalf and she directed me to the website, I advised that I could not locate an option to file a complaint and asked her for the address. After several minutes she returned and provided a XXXX XXXX  XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XX/XX/XXXX, after persistently being asked by XXXX XXXX Ford of XXXX to have my lease ( mid thru term ) appraised so they could buy it for their used car lot, I decided to do so. I made an appointment with the dealership and brought my car in and sat down with a sales rep to do paperwork. It was a snowy day and he didnt even want to go outside to look at the odometer to get the miles. I went outside and reported the miles to him and then he wrote up an odometer statement we both signed. He said thats it for now. Someone else would be in touch with me from the dealership. I asked a few times if that was all the paperwork I was getting at this time regarding the appraisal and he said yes, someone else would do it and get back to me. I left XXXX Ford XXXX Lease and my son drove me home. 
The next letter I received was a blanket appraisal from an outside company on the car. The next letter was from Ford regarding my voluntary surrender with repo fees, auction fees, etc ... ..and I immediately began to call because I knew they screwed it up. Ford offered zero help except to send me a contract done by XXXX XXXX Ford of me surrending the car-and I never signed it. It specifically states lessee needs to sign. I called the dealership many times and spoke with the GM XXXX XXXX who said someone at Ford told him my car was out for repo for months and that was not true. I went back to Ford and confirmed that was not the case and gave Ford permission to talk to XXXX to tell him that and then called XXXX and let him know I gave permission to have him get the true details on the lease from Ford. XXXX has not called back and Ford is demanding $ XXXX in balance from me. This is not my fault. The dealership screwed up and needs to fix this and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed several complaints with XXXX and Experian over a serious problem with XXXX XXXX, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( XXXX ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX, Experian and XXXX and I am just receiving a closed account with a balance XXXX has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.

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 2022-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I initiated a CFPB complaint with XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 332 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX XXXX XXXX be deleted from all of the consumer reporting agencies that they are reporting to. 
I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 
I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate information. 
They have defamed my character for several years with this false and inaccurate information and have prohibited me from being able to extend my credit due to this misleading, false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX I sent an amount of XXXX dollars to hold deposit for my XXXX in XXXX for the XXXX of XXXX my coordinator resigned from the place which is XXXX XXXX XXXX XXXX I been calling theses people no stop to give me a new coordinator and my XXXX also left they have no XXXX left and their is nothing left for me at this point the whole point was for me to get my XXXX and they dont not answer the phone at the facility Ive left several of voicemails and nothing Im going to invest my money somewhere else where people answer and not walk out of a XXXX facility I dont have time for XXXX XXXX XXXX  XXXX no sense and ps I dont live in XXXX I live in XXXX XXXX XXXX is now relocated at a facility called XXXX XXXX XXXX I no longer want to continue with this XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Phoenix Financial stating they were trying to collect a debt I owed to " XXXX XXXX XXXX '' from XX/XX/2016. There is no such organization. I have paid my bills and do not owe medical providers, and if I was billed for something 5 years ago, I would have paid it back then. 
This company calls often, and we blocked their phone number, but they change the number they call from. Their letter also names a group " XXXX XXXX XXXX XXXX XXXX. '' A quick search of the Internet shows this group to be disreputable, with numerous complaints lodged against them with the XXXX 
I do not owe this debt and encourage you to stop companies like this from preying on consumers. Thank you.

Company response to consumer: Closed with explanation