BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested complete validation of the alleged debt. The letter I received from the collection agency did not include any information which validated the debt. 

I asked for : A detailed breakdown of any fees including all collection costs and medical charges as well as a copy of my signature with the provider of service to release my medical information.

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 2022-03-30
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:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights.

15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2017-10-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I charge large amounts, but pay off my balance in full every month. For the payment that was due XX/XX/XXXX, I made several payments using XXXX XX/XX/XXXXbill pay function, as I do every month ( as I have several accounts that I pay my American Express bill from ). The last payment of {$3000.00} was made on XX/XX/XXXX to be delivered to XXXX onXX/XX/XXXX. On XXXX XXXX, I was notified from XXXX that the payment they sent came back as undeliverable. I immediately went on to the XXXX site, paid the {$3000.00} in full and then started a customer chat with XXXX. They told me they could do nothing about the situation until the next bill was issued. I tried the chat again on XXXX XXXX and was connected to XXXX, who was of no help and told me he could do nothing to assist me before even understanding my situation. I asked for a supervisor and was connected to XXXX. She seemed to understand the situation and asked me to upload my documents to prove my story. I did so via the link provided. I heard nothing back, so tried the chat again on XXXX. I went through all of these details and asked them to review my upload. They told me the case was closed and I would be charged over {$100.00} in interest. I then got on the phone and proceeded to fight with the customer service representative XXXX for over an hour. I repeated my story and asked to speak to a supervisor no fewer than 5 times. After placing me on hold repeatedly and refusing to get a supervisor, she told me the case was closed and that they could not help me. Only after 30 minutes into the conversation did she finally investigate my document upload and tell me they never received it. I asked to upload it again and demanded a supervisor. This took another 15-20 minutes, and she told me all supervisors were busy. I uploaded the documents again and received a case number of XXXX. I told her that I would hold all night and wait for a supervisor. She then finally said that she would " endorse '' a supervisor call but they would have to call me. I have heard nothing. I ca n't get an email address or phone number to reach anyone other than the basic customer representative, so I reached out via XX/XX/XXXX. I explained my situation AGAIN and they sent a canned message to contact them via chat. Any time I asked for a supervisor phone number or emai, they just kept sending this same message. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX XXXX XXXX, JP Morgan Chase, and XXXX XXXX. 
In XXXX of XXXX, we agreed to a debt reconsolidation for a credit card from Chase Bank. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX XXXX XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a XXXX XXXX. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XXXX XXXX XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX, XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a XXXXtop Payment on all checks from XXXX XXXXXXXX XXXX. 
We consider XXXX XXXX XXXX XXXX to be primarily responsible for this issue. We are naming JP Morgan Chase because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Community Health Investment Company, LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had gotten 3 calls from 3 different numbers all claiming to be XXXX, none of the phone numbers were associated with XXXX and were all previously reported as scams, claiming I owed $ XXXX {$990.00}, it changed each call, and I told them I would pay it when XXXX sends me a bill. I never got a bill in the mail or a call from a legitimate phone number. Then a couple weeks later I received a letter from " Professional Account Services Inc '' with a very vague description, the wrong name, and the wrong address. Then a few days later I received a call from a woman, who had a clearly fake " southern '' accent, claiming to be from the company and saying she was in Tennessee. I told her I was unable to talk as I had to take my daughter to therapy, but she refused to let me off the phone politely. She claimed to have my social security number, which is a threat, and I gave her my email so she would let me hang up. I never received an email. I looked into the phone number because it had a XXXX area code. Turns out this company " from Tennessee '' is using a landline registered in XXXX XXXX, Florida. After that I called the real XXXX  service and they looked at my account and said there was no {$990.00} bill ever and they had no idea where that number was coming from. So I called the " debt collectors '' back. A lady without an accent answered and then after hearing me changed to having an accent, then when I said I spoke to XXXX  she dropped the short-lived accent and started screaming that " XXXX knows who we are '' and when I said okay but I spoke to them she screamed that I am " a liar '' and starting having what sounded like a mental breakdown and I just hung up. Why would XXXX not send me a bill and immediately send it to a debt collector? I am tired of the harassment and threats and want these people shut down. One of the phone numbers they called me from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im relocated from XXXX to Texas. My contract will end XXXX, XXXX, XXXX and Im about to leave the US. My last day in Texas will be XXXX, XXXX. 
I opened a Citi Credit Card account in XXXX and opened a Citi XXXX XXXX XXXX as well. I put a deposit of {$10000.00} on this account. 
In preparation for my return to XXXX I canceled this account on XXXX, XXXX over the phone. 
The representative told me that Citi will send me a check during the next 10-15 business days.

Unfortunately, this check never arrived. I tried to get this resolved using the Citi chat and I called the Citi Customer Service line at XXXX XXXX at least XXXX times. 
At one of the last calls a representative told me to call again the next day to get my problem resolved and I did this. The next representative told me, that he is not able to find any information about the previous call. I asked him to talk to a manger about my problem. He told me that all managers are busy and somebody will call me back the next day. This call never happened. 
I called again today and talked to a representative that was very hard to understand at all. I asked the representative to expedite a check to me over night or maybe during the next 3 days. 
One person told me to go to a Citi branch. However, there is no Citi branch in Texas at all and there is no branch in the neighbor states. 
I dont think that somebody is working on a solution for my problem.

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 2022-03-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called everyday from MCM. I keep telling them to stop calling me. They called my roommate who no longer lives with me and that is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Roosen Varchetti & Oliver by telephone and by mail and asked for a copy and summary of what is owed on my account. As it relates to mail I have not received a response and the letter was sent last month. As it relates to telephone I was informed that I can not receive a copy of the ledger for this account. This is troubling to me due to the fact that I am being garnished by my place of employment and I don't want to pay more than what is owed. For some time this company has not treated me with respect. Initially they withdrew money from my bank account and then I made a payment plan with them that they would not put in writing. I don't understand what kind of practice runs a business where they do not want to provide documentation to the individual they are receiving money from. In addition, the amount that I owe from my own standpoint is completely different then what they have on their site. They do not have a ledger on the website nor a summary of what has been paid. I would like that as it is only right and appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: IL
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 was a victim of Identity Theft. I filed a Identity Theft XXXX with XXXX, Equifax and XXXX. Their is a Bankruptcy on my XXXX XXXX that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however XXXX and Equifax refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the XXXX and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the XXXX does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND XXXX  AND EQUIFAX DO NOT????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-09-16
Company: Experian Information Solutions Inc.
State: MD
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:
My XXXX  mortgage account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

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