BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a workplace accident on XX/XX/2019. I dislocated my shoulder. Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX  ( XXXX, Claim XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the Eastside XXXX  TWICE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with XXXX XXXX XXXX / collections at XXXX XXXX XXXX # XXXX, XXXX  XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX  's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.

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 2017-05-25
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: DataMax Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a collection on my credit report for {$51.00} from Datamax / Interstate Credit Collections. When I called about the bill I spoke with XXXX and she informed me that it was my name on the account and called out my social security number to me. She also said that is was a joint account with XXXX XXXX and gave me the forwarding address where the bills were sent. I informed her that I 've never lived in XXXX and she once again confirmed she had my full name and social security number for this bill. I called XXXX XXXX and also spoke with a XXXX. She was unable to pull up an account with my name or social security number. I told her the amount and that Datamax said it was a joint account with XXXX XXXX. XXXX found the account in question but said it was under XXXX XXXX and XXXX XXXX and that my social security number was n't on the account. My social security number was n't in their system and she did n't know how it got connected to this account. XXXX XXXX states that they do not have my information on file ( full name or social security number ) and that was n't the information give to Datamax. Datamax states that they only use information from the client. Somewhere in the process there is a discrepancy in correct and honest information. Since NC is a one-party state all calls to Datamax and the XXXX XXXX were recorded and as a courtesy I let the other party know it was being recorded. This mistake needs to be removed from my credit report asap because I 'm in the process of buying a car. However, my biggest concerns are 1 ) how did they get my social security number 2 ) how can this be reported on my credit report when the names on the bill in question are n't mine? If you take the first name of the female and last name of the male you have my name and I live in the same county as XXXX XXXX and XXXX XXXX. Assuming that couple got married she would have my first and last name but not my social security number. HAVING ACCESS TO MY SOCIAL SECURITY NUMBER IS MY BIGGEST CONCERN. Datamax / Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Refuse : UnauthorizedTransaction : Perjury.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.

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 2020-03-23
Company: ONEMAIN FINANCE CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I did not receive a loan from this company. I have tried multiple times to dispute it in order to remove it from my account. There has not been any information sent to me as a result of my dispute and the company has not tried to contact me via letter or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new Citibank checking account on XX/XX/XXXX with a promotion for a bonus of {$400.00} that was associated with promo code # XXXX. The promotion eligibility requirements included an opening deposit of {$15000.00} to be deposited in the account by XX/XX/XXXX. The {$15000.00} qualifying deposit requirement was to remain in the account for 30 consecutive days and the bonus {$400.00} would be deposited within 90 calendar days to the account in the form of a XXXX Interest credit. On XX/XX/XXXX I contacted citi by their listed banking account customer service phone number number XXXX and opened a Citibank Service Request # XXXX to investigate why the account had not been credited with the {$400.00}. I was toldl I would receive a reply within 24-48 hours. After 72 hours, I made contact with representative XXXX XXXX on XX/XX/XXXX and followed up with XXXX XXXX regarding Citibank Service Request # XXXX. XXXX XXXX explained that I would receive further information regarding the account bonus credit. On XX/XX/XXXX I called Citibank at XX/XX/XXXX and spoke with an agent by the name of XXXX and her supervisor that said the back office at the bank was overwhelmed with other customers requests and that I would not receive word for 60 days. This action is very innapropriate as Citibank has now taken over 120 days to pay a bonus that I am entitled to and there is nothing else that I have been able to accomplish in reaching out to various representatives through the online citi portal secure chat via online banking or by calling representatives and supervisors at the citi banking account customer service number listed earlier in this message. I believe Citi is acting in an unfair and unethical manner in violating the terms of their promotion offer.

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 2022-03-28
Company: CITIBANK, N.A.
State: FL
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:
Last XXXX I disputed two charges to my Citi Double Cash card, as the merchant did not provide the requested service and charged my card by using card information from an earlier purchase. I did not authorize the merchant to keep my card info on file, nor did I authorize the two charges.

Citicards response was that the merchant refused to refund the charges, so I should find another way to get my money back. Since Citicard did not respond to my argument that these were fraudulent charges that no one can expect to be refunded by the merchant voluntarily, on XX/XX/XXXX I sent a certified letter to Citicard explaining again that not providing the requested service, keeping my credit card information on file, and charging my card without my knowledge is a fraud. I also provided proof for my claim. There was, however, no response. 
After several follow up calls, on XX/XX/XXXX XXXX wrote again that the merchant is not willing to issue credit to your account. It also wrote on XX/XX/XXXX : We have no additional options to pursue this dispute since the time frame in which to resolve a dispute has passed. Since Citicard never responded to my claims, on XX/XX/XXXX I wrote a certified letter again, this time to the Head of Citicard, XXXX XXXX. She did not respond. Instead, Citicard posted the same online message again that the merchant is not cooperating, so it closed the case.

I understand that Citicard can not be involved in quality, scope of work, and time disputes, but it has an obligation to protect their customers against fraud. Please help, as for almost a year I have been asking Citicard for fraud protection in vain.

Thanks!

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 2016-09-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me. 

However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: ENCORE CAPITAL GROUP INC.
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Disputed the account being in collections due to it being fraudulent. Contacted XXXX XXXX and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Citibank Customer service on XXXX XXXX, XXXX and spoke to a representative and an account manager with regard to having my account reviewed to have interest rate lowered. I am currently paying XXXX on XXXX balance on the card and XXXX on another balance on the same card. The account has been closed for several years and I am getting frustrated in the fact that even though I pay more than minimum due the account balance seems to continually increase. I have a letter from their Office of the President, dated XXXX/XXXX/XXXX that states that the account would be automatically reviewed every six months for a lower APR with no reference as to whether the account was open or closed. That is what I called and requested today and was very bluntly and rudely told by the account manager that because the account was closed, there would be no review. His response was the letter was from XXXX and things have changed. So, just because my account is closed and I am continually making payments not only on time, but also more than the minimum due, I get penalized for review because the account is no open. The only remedy that was offered was to reopen the account at a higher rate! Please I am not a stupid consumer, all I ask is that I 'm treated the same as an account holder that has an open account.

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 2023-07-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I had a balance of {$600.00} in my VENMO account, I have transferred money several times over the past year and it has always gone to my XXXX XXXX XXXX account. I didn't know I still had an account linked to my Venmo account under XXXXXXXX XXXX When I initiated the transfer, the money went to the XXXX account. I have not been a XXXX  customer in years so when I realized this happened I called Venmo and they told me that the money had been successfully sent to XXXXXXXX XXXX  and that I must call them and sort it out. I called XXXXXXXX XXXX  on XX/XX/XXXX and gave them the Venmo trace number to confirm the money was sent to their bank. They then gave me another trace number that stated XXXX refunded the money back to Venmo because the account does not exist and therefore they couldn't receive it. I have been calling Venmo periodically since then and speaking to an account specialist who is not able to help me track down my money. I have received email responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX saying that the amount of {$600.00} was successfully sent to XXXX. I have called XXXX and given them my social security number to ensure that I do not have an account with {$600.00}, let alone any money in it, and I have been told 'no ' each time. I called on XX/XX/2023 and XX/XX/XXXX. 
I want to know where my money is, and no one really seems to be helping. I can not get any more information out of Venmo or XXXX and I feel very helpless and out of a lot of money. I am frustrated and would like someone to help me and not just email me that the money was successfully transferred. It was clearly refunded, so I would like to know where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Attachment to complaint XXXX XXXX XXXX # XXXX XXXX We made complaint, PHH AND OCWEN Have not sent our {$8900.00} each month from XXXX until now XX/XX/2022 the letter claim they still investigating send over document we have sent over XXXX e-mail with loaded document or of contract of receipts evidence of repair and picture, it was not insurance who paid claim we contracted the work to be done sent checks to PHH with know XXXX and they claim they were sending release check for {$710.00} they sold property for more than we owe, we have tired communication with phh - send XXXX e-mail and document through XXXX. we have call we sent everything they need get the run around, all we need is our funds, the pictures have shown that work was done insurance company receive the same, but XXXX above name continues asking for what we have sent already.this is unfair her we in 3 month they have sent letter of same, we gave everything they ask for, the letters they send we will review issues raised with the goal of response by XXXX there is letter for XX/XX/2022 /we have call never know answer. send you to another person in XXXX, this is discrimination we XXXX our age we treated unfair.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am reaching out because there was a XXXX XXXX XXXX account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit

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 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the miles.

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 2020-09-22
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on my credit report.

Company response to consumer: Closed with explanation