BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw two accounts from XXXX XXXX XXXX/CAPIO from XXXX XXXX OF XXXX IN THE AMOUNT OF {$380.00} and {$120.00}. Please be advised these debts reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

XXXX XXXX XXXX/CAPIO did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX XXXXCAPIO should this item not be deleted within the required time allowed by law. 

XXXX XXXX XXXX/CAPIO is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I have attached a copy of XXXX XXXX XXXX and XXXX that is reporting on my credit report. This has been an on going issue for a year now with XXXX XXXX XXXX   reporting incorrect information on my credit report when a debt has been sold to another company. As you can see from the attachment two companies is trying to collect on the same debt. how do i owe XXXX and XXXX XXXX XXXX money. Also, you will see the inaccurate information reported on my credit report as late and how? How am I late owing your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were in a repayment plan because we fell behind on our mortgage due to a temporary loss in income in early XXXX due to the fact that I had my XXXX replaced due to XXXX XXXX. I am XXXX XXXX and my husband has regular wages however I make more money than he does. Anyway the repayment plan almost doubled our mortgage. We received a 90 day notice from XXXX mortgage attorney in XX/XX/XXXX which is why we were put in a repayment plan which stopped the pre-foreclosure process. I had a car accident on XX/XX/XXXX which left me with XXXX in my XXXX   and XXXX, and unable to XXXX  without a XXXX XXXX. We struggled to make the payments up until XXXX of XXXX and many of our bills fell behind due to the loss in my income, and at the same time they switched our mortgage services from XXXX to PHH mortgage based in NJ. We contacted PHH and told them our predicament and they advised us to apply for mortgage assistance ... ..they said we didnt qualify for a loan modification because we had 3 in the life of the loan. They then told us to apply for other programs and we did and they lost our paper work. We then sent in new paperwork via certified mail with a signature and they denied us again because we more than 90 days past due in which they already knew. Every time I call the customer service reps seem to not be knowledgeable about whats going on. They seem to be trying to stall the process so they can foreclose. Anyway, as of XX/XX/XXXX I went back to work and stopped XXXX XXXX  against my doctors suggestion because I needed to get back on track financially. After they denied us the third time, I asked for a new payment plan an they said no because we were in active foreclosure. I called their attorney for the court filing information however they said nothing was filed. A local agency looked over our income and situation and told us to take the summons to the court however as of XX/XX/XXXX per their lawyer there is no such document only the 90 day letter drafted in XXXX of XXXX. I then called PHH mortgage again and told them what their attorney said, thus asking for a repayment plan and they said no, even though there is no active foreclosure at this time. I provided them with my medical and hospital records and nothing was looked at. Also my daughter is in the XXXX XXXX XXXX and this is her residence as well but they did not seem to care. This company constantly provides us with misinformation and their home retention team is awful. Apparently there are only 2 programs that can help and we dont qualify for anything. We want to stay in our home and we are willing to catch up the arrears if giving the opportunity to do so. I was a XXXX  employee for 14 years prior to becoming XXXX XXXX and my husband works for the XXXX. XXXX therefore we have the income to recover. The recent mortgage servicer change has proven to be a nightmare. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The company has sent us an increase in our escrow for no apparent reason. Our home owners insurance went down this past year and our property tax only increase by a {$100.00} or so and they say we are over {$800.00} short for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my balance with FNBO on X/XX/17 ( see attachments ), but I continue to accumulate late payments on my credit report ( see attachments ). I demand that these late payments be removed. This is a violation of the FCRA. If I do not get results here, I will sue them again.

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 2019-05-12
Company: EQUIFAX, INC.
State: MO
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 following accounts are not mines and I'm demanding that they be removed or it is your duty to provide me with physical documentation as oppose to the accounts being electronically verified. As a general rule of law electronic Verification can not be accepted as proof. In accordance with Section 611 and the FCRA I'm requesting the following accounts to be removed immediately from my credit file. 
1 ) XXXX {$72.00} 2 ) XXXX  {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  XXXX {$680.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX {$5700.00} 10 ) US Dept Of Education {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given. 
I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due. 
Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company. 
I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have requested a billing history for my account from JC Penney and have not received it. I am concerned that I have been over-billed and that my actual balance is lower than the company claims. I have requested a billing history to reconcile my account with the company starting XX/XX/XXXX to XX/XX/XXXX both over the phone and on the company 's website and have not yet recived it.

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 2018-09-20
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had already disputed these accounts with all three Credit bureaus and with state these accounts that are on my credit report are accounts that are still pending with XXXX XXXX. insurance they are not supposed to be in collections I have tried to explain this to them and they just ignore it what they did they took it from a charge off-collection status on my XXXX and made it a closed account but left it in collections then on my XXXX   and my XXXX reports there still in charge -off account status they didnt send me any notification that they were going to be putting these accounts on my credit file didnt give me any notifications so that I could dispute the charges with them at all some of these accounts theyre taking one account and breaking it down bill by Bill to make it seem like more account, the account for the XX/XX/XXXX bill thats one account it should not be two separate accounts that was one bill for one service but state took it and broke it down there now Its two collections on my credit report instead of one there are Multiple bills like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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:
I reached out to XXXX, Experian, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

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 2022-03-07
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:
I reached out to XXXX, XXXX, and Equifax regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}

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 non-monetary relief
Consumer complaint received 2020-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Without my authorization, Wells Fargo steals my direct deposit and pays mortgage that is not due, thus my other bills are not getting paid. They have closed my online account so I can not correct this. I am on XXXX and they are also stealing my other payments and putting me in jeopardy of not paying bills. HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, when trying to resume the payments with Wells Fargo for my mortgage on the phone in two days, they found their way to offend me again. I was told to use this number XXXX for information on Wavier for taxes which are due at the end of the month of XXXX. They told me and gave me a fax number and email to send a document for a tax waiver when I sent it. They sent an email not to use it. I call the same number the next day the person on the line could tell me if anything was received. My problem is they are dropping calls, and not confirming received documents that were sent, and with the number of customers they deal with, plus when they cut off my email in their system there is no way to voice my concerns, this leads to harassing behavior. The information that is given from that number is too wide ( from just using this fax number to we don't handle that not my department )

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 2022-03-07
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Went to XXXX XXXX for help with XXXX  issue XX/XX/XXXX. He could not help me, was affiliated with my employer and indicated there was no charge. I resigned from my employer XX/XX/XXXX and was notified I was being charged for an office visit in XX/XX/XXXX. I provided health insurance information at that time and asked that they file a claim with the insurance. The account was sent to Southwest Recovery Services for collection and I again provided my insurance information. 

It appears that the claim was never filed with my health insurance and they are now filing claims against me for the full amount. Southwest Recovery has placed a collection status on my credit report and lowered my credit score.

The doctor 's office nor Southwest recovery did their job to collect from my insurance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX at XXXX pm I received an automated email from Bank of America indicating that the balance in my saving 's account was low. I checked my account via online banking and found that two transactions had posted to the account that I was not responsible for : a deposit of {$380.00} into my checking account at an atm, as well as a withdrawal of {$1900.00} from my checking account at a Bank of America location in XXXX. My debit card was not missing/stolen. At the time, I was at home in XXXX, RI. I called Bank of America and the person I spoke to in the check fraud department told me they could n't do anything about the pending {$1900.00} withdrawal because it was still pending, and they told me I should call back. 

Two additional charges later posted ( both balance inquiries at two different atms ), though I believe they occurred on the same day. I called back on XXXX XXXX and the representative agreed that my account had been compromised, froze the checking account, canceled my debit card, and filed a check fraud claim that would take " 60 business days '' to resolve. 

On XXXX XXXX I received a secure message from Bank of America stating that they had denied my claim because my ATM card and PIN were used as identification in making the {$1900.00} withdrawal. I am unable to understand this given that they person interacted with THREE ATMs that day, so of course they had a copy of my debit card and pin number. I immediately called Bank of America and the agent agreed to put the claim up for reconsideration, and assured me that the debit fraud department would look at is as well, given that the debit card was obviously compromised. 

XXXX XXXX XXXX XXXX ) I called back to check on the status of the claim. I was told that an analyst had looked at the claim on the XXXX ( though this was never communicated to me ) and had decided to again deny the claim. 

I 'm unable to comprehend how {$1900.00} of my money was stolen right out of my bank account and my bank refuses to refund what was lost, as is required of them by the FDIC. I have multiple witnesses, including my wife and a friend I was with that day who can confirm that I was at home in XXXX, RI all day.

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 2017-11-07
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
On my account RASH CURTIS & ASSOCIATES Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

I am writing this to investigate my account RASH CURTIS & ASSOCIATES. I am an identify theft victim. I sent FTC complaint & ID theft report, I also sent validation letter request they prove my information but they did n't response to me and they did n't remove these on my credit report. Please investigate and remove all these of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX with a card ending XXXX. I have a mortgage in a Keybank account. 1. KeyBank 's mortgage system is so terrible. They charged me 3 times without any notice. Please see attached pic. 2. They told me to set an automatic mortgage payment to avoid the service fee, I did go to their branch to set it and they still charged for it. They said it will be effective from XXXX. So we still charged your service fee. Actually, their staff in the branch told me I will not be charged for that. 3.

Please refund me the service fee of {$25.00}. Do not let the customer pay your own fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: KY
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:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter

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 2017-11-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.

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