BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter to Experian over 45 days ago stressing the fact about an account on my credit report, I have yet to hear receive any information regarding my dispute, it is also my understanding that if you have not gotten a response within the 30 day period the item on the account must be deleted, according to the FCRA, but it is also to my understanding they are allotted 15 extra days due to COVID-19, all I ask is, please respond or delete the account attached to my credit report. thank you.

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 2017-10-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Referenced XXXX Account # XXXX This complaint was closed because I was critical ill and unable to resolve the issue. 

Chase Mortgage Company foreclosed on property XXXX XXXX XXXX, XXXX XXXX, Louisiana during XXXX XXXX. I paid mortgage on this property and Chase Mortgage company had records of transaction. 

During calendars years XXXX and XXXX I reported this to the United States Attorney General because I received foreclosure documents for XXXX XXXX XXXX, XXXX, Louisiana delivered by the XXXX XXXX XXXX XXXX. 

Referenced XXXX Judicial District Court for the XXXX XXXX  XXXX Docket No. XXXX. 

Reference Account Number : XXXX Malfeasance in office by JP Morgan Loan Officers and Board of Directors. 

This is the third complaint I submitted to you for investigation. I never received a reply or answer due to anti-trust laws and malfeasance in office. My name is XXXX XXXX XXXX XXXX. I would like your agency to investigate mortgage fraud by JP Morgan and Chase Mortgage Company. In addition, I submitted information to the FBI regarding XXXX, XXXX, providing misleading information. During calendar year the application for modification loan was lost and misplace on several occasions by XXXX and JP Morgan Mortgage Company. After resigning from a Federal Agency I encounter these issues. I truly believe Seterus, LLC is associated with JP Morgan. I paid my mortgage payment on XXXX XXXX, XXXX, and XXXX reported that I had insufficient funds in my bank account. I visited XXXX XXXX and I was told the check was never submitted for payment. After this incident I completed a complaint with Federal Trade Commission. Also, I reported this predatory loan practices to the United States Attorney General and FDIC for assistance. ATTACHMENTS were submitted with prior complaints. XXXX XXXX  XXXX consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Herbert P. Sears Co., 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: Investigation took more than 30 days

Complaint:
I am writing this today because I unfortunately have been dealing with a collection agency who completely violate my right as a consumer. I first contacted HP Sears about an item I found on my credit report from them. Upon contacting them they responded only once and have yet to respond to me the second time. I have given them 45 days and counting and still have not received a reply back from them. They are trying to ignore me and my rights as the consumer as they are choosing to deliberately ignore me and my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Received unwanted marketing or advertising

Complaint:
Neiman Marcus is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
"XXXX XXXX"  BRANCH MANAGER IS REFUSING ME ACCESS TO MY CLOSED ACCOUNT WITHIN 7 YEARS. IT'S BEEN 3 MONTHS REQUESTING FROM HIS BRANCH.

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 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Bank of America called accessing your credit is as easy as 1-2-3. It allowed me to use my credit card line of credit to obtain cash to pay off other credit cards. I used one of the checks included and deposited it in my Bank. I used the money to pay off my higher credit cards. On the Band of America credit card statements, I noticed that I am being charged a 21 % rate instead of the promised .99 % rate so I called the company to resolve the issue but I was told that the checks can only be used for balance transfer and they need to be directly used to pay off the credit cards. I looked at the BoA offer and it clearly stated that I can use it for anything I want in step 1 of the 1-2-3 easy-access advertisement. I used similar offers from other Banks in the past and I always deposited the funds in my Bank, as a customer I feel BoA is scamming its customers. I have lost over {$1100.00} dollars.

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 2017-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 2017-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXXand XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort of a " bait and switch '' kind of an application to get me to open other accounts. 

After the bank pulled the credit, which I believe was unnecessary to decide the HELOC application, and subsequently rejected the HELOC application, I was stuck with an unwanted inquiry on my credit report and an unwanted credit card. I complained about it and said I wanted the credit inquiry reversed. 

They elevated it to compliance, reviewed the taped conversation, and said their process and disclosures were appropriate. I had been under the impression that signing up for other products would be advantageous to my HELOC application. I think they just wanted to pull credit to " sell '' other products, being fully able to determine without pulling my credit that the HELOC application was going to be rejected. This was because the HELOC denial was based on debt to income ratio, not credit. 

I suggest that this bank disclose that applying for other products has no bearing on the HELOC application and not try and mix the two application processes. I also suggest that they determine if the applicant 's debt to income ratio would disqualify the applicant prior to pulling credit. Other lenders that do not cross sell other products are easily able to determine this without pulling credit. 

Thanks, 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 2017-10-09
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.

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 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I dont have exact dates because i have requested for months my staements i cant evem see the transactions no statements are mailef anf for months i wasnt able to even log in! y account due to hacking of my account, i have called and emailec customer support too many times to count asking for statements XXXX they told me they would be sent but have not recevied

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 2015-12-21
Company: Credit Bureau of York, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/17 3 transactions posted to my account : {$80.00}, {$27.00} and {$5.00}. My balance at the time was {$41.00}. Chase, in bad faith, processed the transactions from largest to smallest, triggering 3 NSF fees. I had enough funds to cover two transactions, but Chase, in an effort to illegally generate more fees, processed the transaction in a way that created more NSF. I had to miss school and ended going to the doctor due to XXXX  XXXX after spending over two hours on the phone with them trying to fix this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: TX
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:
Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im XXXX  in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.

Company response to consumer: Closed with explanation