BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C system is trying to collect a debt before providing me enough information. 

I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. 

The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. 

When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!

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 2017-06-06
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
not sure if this was the correct option but definitely involved in my complaint. first all representatives were professional and courteous. however i asked to not receive any correspondence except by mail because I've had difficulty getting any correspondence through phone or by email. i have received emails since then against my wishes and was assured by the customer service representatives that i would not receive any. second i have requested correspondence for re applying for the income based payback program. I was told i would be receiving the re enrollment papers in the mail. and have requested them a total of 3 times. i still have not received them ; but was able to receive the letters stating that the credit was being reversed as long as i was to send in the re enrollment papers. i have never received that re enrollment papers. my credit is being affected by this. secondly i got a letter in the mail around XXXX stating that my loans were about to default. i was on the income driven repayment plan and it was deemed a hardship for me to pay my loans. i had applied each time i was sent papers to do so for years. i never received any papers for to reapply which was apart of the agreement for the income driven repayment plan. it shows that i was 9 months behind on payments in XXXX. in other words i wasn't sent reapplication papers and was switched to another plan without my knowledge and no attempt was made to make mne aware of this. my credit is now been hit very hard due to this. i still qualify for no payments. this sounds very close to the definition of fraud. to date have not received any enrollment paper works which i have been told i would be receiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Applicant initiated a request for conventional loan to purchase an investment property with Wells Fargo, on or about XX/XX/2022. 

Wells Fargo requested a Letter of Explanation- Large Funds-Statement of Funding Source, on or about, XX/XX/2022. 

Wells Fargo requested a Source of Funds for Large Deposits-Statement of Funding-Source, on or about, XX/XX/2022. Documentation from Loan Applicant was requested to show the source of funds for several large deposits. 

The Loan Applicant provide Wells Fargo, a statement on or about XXXX XXXX to explain. The Loan Applicant 's Spouse performed several income distributions from a Private Entity. Further explaining the Private Entity is not a party to the Loan Application and will not be added the Deed. The Large Deposits and Source of Deposits is distributed income. Back and Front copies of each source of funds was provided to Wells Fargo. In coordination, with a title company the Deed will be assigned to the Loan Appliant only. 

Wells Fargo advised, on or about XX/XX/2022, the Loan Applicants explanation was insufficient. Wells Fargo requested access to the Private Business 's bank account records. The explanation given by Wells Fargo is that FDIC requires verification the Source of Funds is not foreign, illegal, ponzi scheme, or other forms of fraud. 

Multiple phone calls and emails were exchanged during XX/XX/XXXX to XXXX, XXXX. 

The Loan Applicant, during XX/XX/XXXX to XXXX, XXXX, requested clarification of Wells Fargo policy for Proof of Funds, Source of Funds, Underwriting and Closing procedures. 

The Loan Applicant, on XX/XX/2022, emailed Wells Fargo to advise he/she was considering cancelling the loan application due to unanswered questions. Wells Fargo 's requirement to pierce a Private Entity and an excessive means to verify the Source of Large Deposits. 

Wells Fargo, on XX/XX/2022, contacted the Loan Applicant to discuss the unanswered questions and to apologize. 

The Loan Applicant, on XX/XX/2022, inquired if Wells Fargo would accept a letter from a bank institution on behalf of the Private Entity. Such that if the letter written by the bank could validate the Source of Funds is active, in good standing, valid and legal. 

Wells Fargo, on XX/XX/2022, advised a letter written by a bank is not sufficient. The only way to suffice the Wells Fargo requirements is to provide the bank statements of the Private Entity.

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 2017-04-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was owed from my previous employer for which I worked as  XXXX  employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit card number was used and fraudulent purchases made. I contacted the company right away to report it and told them that I wanted to make sure when a new card was issued the info regarding the payment history of time and all payments made on time and in full was going to continue to be reported. The credit card company closed the account. made an unauthorized hard inquiry on my credit report and failed to report the previous credit payment history. I contacted them numerous times to get this corrected. then the previous credit card was totally removed from the being reported. not reporting the info and then removing the card totally from my report and the hard hit caused my score to go down. This affects the insurance payments that I make for properties and cars. I estimated that this drop has cost me aprox 300 per policy. 
there are 10 policies that would have been affected. the new card was issued and it has been several months that nothing has been reported to the credit bureaus. I am frustrated with the number of messages I have sent the credit card company via the credit card site and phone calls. 
they need to reinstate the information back to the original card and show the payment history that was made on time and in full for the past ( I think it is 51 months ) they need to remove the unauthorized hard inquiry. I have sent them all the documents that they required numerous times and the only response I get is a standard letter saying they are investigating the case and will get back with me within 30 days. this has been going on for 5 months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed for closed school loan discharge. I noted that I had withdrew prior to the school closing once we were informed of the loss of accreditation/lawsuit notice but no more than the 120 days it states..according to chapter 6 that was considered part of the exceptional circumstance and I should have still been eligible. I have also filed for the fraud discharge because they took money and forged my signature. Both applications were denied and was not given any info on how to appealthe decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Student Debt Consolidation LLC
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was contacted multiple times by a company ( Student Debt Consolidation Aid ) claiming to be the Department of Education to refinance my student loans with lower interest, payments, and forgiveness after a certain term.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I bought XXXX XXXX subscription from XXXX, with payment through PayPal. The advertised total cost was {$17.00} and I received an invoice that that was the cost, inclusive of all taxes and fees. 

I spoke to a XXXX representative about this over the phone, who was completely unhelpful in the matter. ( I don't remember the date of this conversation ) On XX/XX/XXXX, PayPal charged my credit card for {$19.00} for XXXX XXXX. I disputed this with PayPal, citing the discrepancy. 

On XX/XX/XXXX, I disputed the case. PayPal contacted the merchant to seek more information. 

On XX/XX/XXXX, I provided a screenshot of the in-app advertised price of {$17.00}. PayPal denied my claim. On XX/XX/XXXX, I provided the invoice email citing the price of {$17.00} from the seller. PayPal denied my appeal. On XX/XX/XXXX, I provided that invoice again, PayPal again denied my appeal. 

On XX/XX/XXXX, as per emailed instructions, I requested by post a copy of all documentation relating to my case. As of this writing ( XX/XX/XXXX ),  PayPal has not responded with that documentation. 

Yesterday, XX/XX/XXXX, PayPal again charged my credit card for {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX XXXX XXXX XXXX and I'm exempt from paying since 2021 State Property taxes and I sent my Mortage company all of the necessary paperwork from my county state indicating that I'm exempt from paying property taxes and my mortage has declined from removing the taxes from my payment and still changing me to pay taxes on my mortgage. this is against the law to keep me paying property taxes when I'm exempt from paying taxes. The Mortage company is PHH I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Penn Credit Corporation
State: HI
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 had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was  under:  XXXX  and was closed last year in   XXXX   XXXX  . I went overseas to work during that time and came back home in  XXXX  of  XXXX . I still have new messages pertaining to a  XXXX   XXXX  who has had the my current home phone number. From at least  XXXX  of the year  XXXX , I have had multiple daily calls from  Penn   Credit COR  at  XXXX  and  XXXX   XXXX  at  XXXX   XXXX  about debt collection. These calls start early in the morning between  XXXX  and  XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt  collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

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 2019-08-08
Company: EQUIFAX, INC.
State: FL
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 a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. EQUIFAX MTG 2. XXXX  XXXX 3. XXXX XXXX 4.  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business  days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.

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 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My name is, XXXX XXXX XXXX. I have had a koals credit card with their company for a few years back in XX/XX/XXXX- approx XX/XX/XXXX, into XX/XX/XXXX when a friend of mine had added clothes to my basket with out my knowledge as we were leaving ... I assumed she had checked out and was throwing he things in with mine .... well she had not paid the sheriff at the door summond both of us and went went to XXXX. I used my credit card for all of my purchases however they were taking and should have. My issue is I was band from koals and could not come into customer service to find out what I owed or if anything, I receive a phone call after over 300 dollars of late fees and was told I would be in collections I have no idea why I was grabbed thrown Im XXXX with out the options to come to the store and pay my card as I had always done at customer services and now my CREDIT report has several delinquent payments ordering that will stop me from recieving my XXXX XXXX medications because I can not get and credit help to earn back.. I feel like this was a very mean unprofessional and I will send them to the XXXX XXXX XXXX. Thank you for any help XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters to Experian with the last being sent on XX/XX/XXXX.I have asked that the following inquiries be verified as authorized by me.

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2017-04-18
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These collection accounts were not investigated properly, or at all by Experian and XXXX. XXXX has deleted. I need for Experian and XXXX to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Also, XXXX is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # 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