BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Medical Data Systems, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX, originally through XXXX XXXX Medical Center for {$2000.00}.

These charges occurred in XX/XX/2016. The CEO of the hospital at the time XXXX XXXX agreed to waive & discard all charges from the visit to keep from filling a malpractice suit against the hospital for lack of care & discharge from the hospital. The event of the neglect resulted in me going to another emergency room the following day to seek medical attention resulting in a serious medical condition, a 9 day stay in the hospital & continuous follow ups as well as being out on Social Security XXXX. When XXXX XXXX Medical Center took on a new CEO later in 2016, the charges that were once taken care of were resent. I called and verified the previous agreement of the charges being waived to avoid a malpractice suit, but it was still sent to collections.

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 2023-06-30
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is Portfolio Recovery Assoc. 

Thank you for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint because I filed bankruptcy to stop a XX/XX/2019 sale date and SPS sent me a letter saying that I could apply for a loan modification this week. I sent in the request for a loan modification via email yesterday. Today I recieved a letter from XXXX XXXX stating that SPS has put my house back in foreclosure as of XX/XX/2019. SPS told me that they would not let me send in bank statements and check stubs for the modification. I plan to contact an attorney this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
Capital One - $ XXXX XXXX  XXXX XXXX XXXXXXXX XXXX in XXXX XX/XX/XXXX, original charge for concert at XXXX XXXX XXXX XXXX XXXX concert postponed, requested refund through XXXX XXXX- who tickets were purchased through XXXX XXXX No refund, disputed charge with XXXX XXXX They gave a temp credit XXXX XXXX XXXX XXXX reversed credit and rebilled stating that XXXX XXXX said it is a valid charge, same time XXXX XXXX also recharged me {$640.00}. XXXX and also credited me $ XXXX Still leaving the original charge from XXXX  on my credit card. 
Contacted both companies, with no resolve. XXXX XXXX stated it is a XXXX issue and XXXX said they already credited us- which is true but then rebilled us the same exact date, leaving a charge of XXXX from XXXX. 
XX/XX/XXXX since we had no resolve we said we will just go to the concert XXXX XXXX concert postponed again, refilled for a new refund. 
XXXX XXXX XXXX denied our refund stating we were already issued XXXX. 
XXXX XXXX Contacted XXXX XXXX again to dispute charge- They refuse to dispute charge stating they have already done everything they can do and the merchant needs to refund us. 
XXXX XXXXXXXX tried to contact XXXX stadium again- no response. 
I am here as I have exhausted all other options to get my XXXX back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX. I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
I disputed an account that is reporting incorrect information on my XXXX credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If XXXX did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.

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 2023-05-02
Company: Resurgent Capital Services L.P.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
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:
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX  reports open collection days after unauthorized hard inquiry of XXXX  XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX  XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive had a checking account with citibank for approximately 7 years and over a week ago I became aware that they have decided to closed my account, I got in contact with them via phone and I was not told an specific reason as for why did they closed the account, they told me that they have sent me a check with the amount of the funds I had in the account but I have not received it yet, I Am writing this complaint because I need help getting my my funds back, since its all the money I have at the moment.

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 2021-10-08
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAVALRY PORTFOLIO SERVICES , LLC. ( XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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:
I received a call from a third party debt collection agency around in XX/XX/XXXX I told them I did not think the debt was valid and was working on my credit but wanted to make sure the debt was valid then the rep on the phone said well this could hurt your credit I disputed the debt due to it being labeled as a personal debt and not a medical debt tried to correct it with them and then they changed the debt age from XX/XX/XXXX to XX/XX/XXXX then started adding interest then my credit score dropped 100 points the name of company is Wakefeild and associates all I wanted was my debt age to be correct and it to be in correct listing this organization intentionally mislabeled the debt and changed the date which is unethical and I was threatened ( or felt they was threatening me and seeing how they actually did damage my credit it was a deliberate action )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX  or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: NC
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
1, XXXX & XXXX XXXX took out a mortgage with XXXX XXXX  15 years ago ( XX/XX/XXXX ), at a rate of 5.74 % -180 payments of {$2100.00} due on the XXXX of the month beginning XX/XX/XXXX. 
2. XX/XX/XXXX we received a letter informing us of a reduction of rate to 5.24 % Due XX/XX/XXXX. 
at that time we had 176 payment left of {$2000.00} 3. The bank issued a change in due date to the XXXX starting XX/XX/XXXX 4. XXXX was acquired by Bank of America and on XX/XX/XXXX changed the due date to the XXXX of the month. 
XXXX. On XX/XX/XXXX Bank America sold our mortgage to XXXX/AKA XXXX XXXX for XXXX and that figure unbeknownst to us being aprox {$5600.00} higher what we could payoff by our end date of XX/XX/XXXX. Now need to pay nationstar {$5600.00} after our payoff date in XX/XX/XXXX. 
6. The Problem is with Bank America who we have spent months trying to get an answer and they can not provide full documentation to figure this out. They just don't care.

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 2023-04-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account shows that on XX/XX/2023 my home insurance was paid in full. However, my insurance company has not received this payment. 

I'm trying to communicate with the mortgage company but their phone number automated answering system does not allow for home owners to talk to a representative. The system keeps stating a payment was made on XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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 disputed an account in XX/XX/XXXX because it listed as filing for bankruptcy for the referenced account in XX/XX/XXXX and provides erroneous information that I included the account in bankruptcy which I did not. It is providing negative information and extending the date beyond my actual filing of bankruptcy which was actually filed in XX/XX/XXXX. Even if I did include the account in my bankruptcy the account would be deleted in XX/XX/XXXX just as my actual bankruptcy would be deleted. All of the details regarding a bankruptcy on the account should be deleted. Then in the processing of that error you updated another similar account stating that it was discharged through a bankruptcy. Both referenced accounts are not included in student loans and are not dischargeable. Both accounts are XXXX  XXXX XXXX  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 explanation
Consumer complaint received 2019-08-13
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed the debt by Fax as the Professional Account Management LLC " PAM '' mentions on their debt collection statement as one fo the method 's to dispute the debt.

When I spoke with the representative at PAM, i was informed that they have not received my dispute and the debt is still valid. They said that their fax number does not work that I sent the fax to dispute the debt.

This is a classic practice of stonewalling communication from a consumer and providing a mechanism of debt collection resolution ( in this case FAX ) and then saying their fax number does not work. This is practice is a violation of federal law on keeping debts open post a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Account PAID/CLOSED still shows in Collections. My wife & I have exact profiles from joint accounts. We paid off credit card, increased available credit, decreased debt, and cleaned up disputed accounts. Her FICO Score INCREASED while my FICO Score DECREASED. Experian states there is nothing they can do to reticify the error which is negatively impacting me. The other two credit bureaus appropriately increased my score.

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 2019-08-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had been banking with BBVA COMPASS ( now BBVA and no problems in the past, actually was extremely happy with them, when i opened my account everything was great and i CLEARLY opt out for the overdraft protection, time after i switched bank accounts, and left my checking account with bbva as a backup, with my confidence that is a free account and i OPTED OUT of the overdraft protection, now few weeks ago tried to log in and see my account and its on XXXX but i can not use it, and i called in customer service they said that my account is negative and no longer available, they transfer me to the recovery department they told me that i need to pay XXXX because my account was overdrawn for a long time, i tried to explain my situation and they dont help me at all, they told me that they can help me at the branch, so i went to the branch located in XXXX XXXX, Texas @ XXXX XXXX XXXX and the guy at the main desk ( XXXX ) offered no help at all, he mentioned right away that they can not do anything for me, i tried to explain him that it wasnt my fault, that i was not aware of the situation, a payment, which i switched before, went through, declined, and caused me that, but again, i opted out for the overdrawn protection and was not aware of this practice. So at this point i tried to ask for help for all the means ( phone, manager,  branch ) and BBVA offers me no help, and the only thing that i want is my Bbva checking account again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.

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 2020-12-01
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in coma XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to die an took advantage of my name social security number while under coma to receive benefits of this credit card while counting my life out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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