BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX hospital sent my bill ( {$570.00} ) to " Health care collections '' in XXXX, Az. " Health care collections '' sent me a pile of letters stating I owe them. I called the XXXX hospital and asked why they sent my hospital bills to a collection agency. The hospital said their was no problem with my bill, and that the monthly payments were in good standings. So I asked if I could pay the hospital my bill in full and they said " Yes ''. Which is what I did, then I sent " Health care collections '' their bills back. But every since I did this " Health care collections '' started calling me at least daily, Then weekly. When I finally after many call from them picked up the phone to talk to them they hung up. This has been going on now since XX/XX/XXXX. 
I did call " Health care collections '' directly and complained about their tactics calling on me, but this rude guy told me I had better get my facts straight! I refuse to answer these calls, but enough is enough!

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 2016-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Mam, I am writing to you in regards for an issue involving the wire transfer of {$2000.00} to my Beneficiary 's account who holds an account with the XXXX bank located at XXXX, XXXX branch. 

I hold an account with Citizens Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA, USA. Since two months were over and as the money transferred from my account to the beneficiary 's account was never credited to his account under the specified period of time ( reason still unknown ), I had to recall the wire transfer with the help of Citizens Bank back to my account but neither the money has been credited back to my account. 

Upon further searching, I was told by Citizens Bank that the XXXX Bank had already sent the wire transfer money to XXXX and XXXX XXXX XXXX who acts as an intermediary bank in regards to the Citizens Bank has been waiting for XXXX to respond to them in this issue. ( as informed by Citizens Bank official ) I would really appreciate and would be highly obliged if you could help me resolve this issue as soon as possible just because being a recent graduate, the amount of {$2000.00} means a lot to me and the issue has taken a way longer than normal which in itself has been very stressful! 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was apparently sold from XXXX XXXX to Loan Care XX/XX/XXXX. I have for the last 25+ years had my taxes escrowed and received the check XX/XX/XXXX to pay them before XX/XX/XXXX. At XXXX time I contacted Loan Care and asked about my check for taxes. They were going to look into it and get back to me. I again called before the first of the year and they told me they were waiting to receive the tax bill from my municipality Treasurer. I spoke with him and he said that was not a true statement and I was the only person they send the bill to. I again called them and they again said they would look into it and get back to me. Again, they never got back to me. I called after the first of the year to get the same song and dance from them. This time I wrote down the persons contact number and she said I had to send a request to change my escrow because it was marked to be paid to me XX/XX/XXXX. I talked to my mortgage lender that I does my financing and he said in his 20+ years he has NEVER checked box XXXX to have anyone 's escrow paid in XX/XX/XXXX and they were lying with the statement they gave me. I did send the email requesting they change my escrow to be paid to me in XX/XX/XXXX and I have a copy of it. They were to get back to me and of course they did not. 
I filed a complaint with the XXXX on this company and I was told that they would respond again within 10 days, that was now over three weeks ago and I have not heard a word from anyone. After talking with an attorney, I was recommended to contact you about my situation. My mortgage lender told me he was getting several complaints from others who had the same issues with the same company " Loan Care ''. 
I have busted my XXXX to maintain a perfect credit rating even with the divorce I went through three years ago. I had to personally pay nearly {$3000.00} in taxes out of my savings to avoid being delinquent this year. I have still not received a phone call or a check from Loan Care and they also have my insurance in escrow so I can just imagine how that is going to play out next month. I hope you can go after these people and fine the XXXX out them for what they are doing to the consumer. Please help me get my money back from them and I hope you can put an end to their unethical practices! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep on getting calls from EHANCED RECOVERY COMPANY i do not know what debt they are trying to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Account Number # XXXX. 

Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. 

At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. 

I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. 

With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called by these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
They claimed to be the C.B.E. group and were very convincing. 
I believed they were collecting a debt I obtained from an unpaid student loan because the amount they claimed was very close to what I believed I owed. 
I gave them XXXX $ on my debit card on the XXXX/XXXX/16 which was pending until the XXXX of the same month. They told me if I was n't able to pay by the XXXX that the account would be sent to another collection agency. ( They have called multiple times before but I was unable to pay at an earlier time ) Today, I attempted to call the C.B.E. group that I found online to pay the rest of the owed debt. They told me they could n't find my information or account anywhere. They referred me to the XXXX at XXXX XXXX XXXX XXXX XXXX I called them and asked about my account. They also could n't find anything in their database and even checked their archival dept. which showed nothing with my name. They referred me to another branch which I called at XXXX XXXX XXXX XXXX talked to me the longest and searched for my info and also could not find anything. 
A few hours later, I get a call from the original people who were claiming to be the C.B.E. Group again and they said they wanted the rest of the owed money from the account. I believed them for some reason and paid them the XXXX that they claimed I owed them. They seemed very professional but after I paid they said they do not send receipts of their transactions and just left me with a confirmation number : XXXX. 
I asked where I could find the receipt or look up the confirmation number. The lady said she was n't sure and could not give me a clear answer on how to find the information other than calling back or looking in my bank statement. 

This is what the bank statements say : XXXX/XXXX/2016 POS PURCHASE Non-PIN / TREASURY XXXX XXXX XXXX IA {$300.00} Pending XXXX CBE XXXX XXXX XXXX / XXXX Date/Time : XXXX/XXXX/2016 XXXX {$390.00} I do believe these charges are fraudulent considering I can not get any information about my personal debt from the legitimate companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did not give this company permission to run a credit check

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 2016-01-06
Company: American Credit Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.

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 2022-10-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to XXXX, XXXX and Transunion to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information : 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  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

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 2018-05-27
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine

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 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I applied to NAVIENT for a an lower payment Income Based Repayment plan and have NOT recieved anything as to the status to my request to date. I am a XXXX on fixed benefit income, and really CAN NOT afford to repay this student loan. Am I eligible for loan Forgiveness? Thank you for Any HELP!! 
School attended : XXXX, Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.

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 2016-10-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX in XXXX XXXX, CA from XXXX XXXX - XXXX XXXX. Graduated with a XXXX from the school. In a conversation with XXXX and their financial department, they made me aware of the additional amount to be tacked on to my current loan balance. I had attended XXXX before from XXXX - XXXX for a XXXX in the same field of study in XXXX, AZ. 

The first account was a XXXX XXXX loan which me and me father co-signed on. So the amount that was borrowed in total, according to XXXX, was {$51000.00}. With interest, it currently stands at {$63000.00}. However, the problem is this : There was a second account made without my knowledge for roughly the same amount! So even though XXXX has me slated that I borrowed only {$51000.00}, my loan provider ( Navient ) has me with XXXX accounts both totaling {$120000.00}! This second account should have never been created in the first place even though the school assured me that the amount would be added onto the current loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MA
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2017-02-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.

Company response to consumer: Closed with explanation