BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XX/XX/XXXX. XX/XX/XXXX, after insurance payments had been settled, my doctor 's facility billed me for {$3600.00}, which I believed to be in error. XX/XX/XXXX I contacted his office and spoke to the billing department and explained that because the doctor was in-network I expected to pay only my {$500.00} deductible. They agreed that I was eligible for the in-network rate, that I owed nothing to the facility, but instead I owed {$340.00} to the doctor to meet the remainder of my deductible. On XX/XX/XXXX I received this revised bill for {$340.00}, which I paid in full on XX/XX/XXXX. 

XX/XX/XXXX I noticed a collections account reported on my credit report for {$3600.00}. I had not recived any communication from this debt collector prior to the notice appearing on my credit report. I contacted the credit bureau for the debt collector 's contact information. I called them, explained this situation, and provided documentation. They are claiming that I still owe the original {$3600.00} which the doctor 's office billed in error. I attempted to resolve this with the doctor 's office directly, but the doctor has since moved and that office is no longer open.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-05-04
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted several disputes with Equifax, XXXX, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, al  l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: IL
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:
On  XXXX   XXXX ,   XXXX   I filed a dispute with Credit card  ( Citi Cards ) i n the amount of {$400.00} after many attempts to resolve anything with the merchant. Who repeated told me I would receive a refund if I had to cancel. I feel I was discriminated against b y Citi Cards bec ause I am a  XXXX  senior vetera n America.. Citi Cards took the  word of the Merchant who did tell the truth about the issue.   I never signed any contract, there was never verbal explanation about getting a refund.   I will stop usin g Citi credit c ards because they are unfair to consumers.

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 2015-07-02
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: American Payment Holdco, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Security National Automotive Acceptance
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Security National Automotive Acceptance Company   XXXX   XXXX   XXXX ,  XXXX , Ohio  XXXX  ext  XXXX  On  XXXX    XXXX   I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The  XXXX  payment shows up as a late payment and my payments after  XXXX   a'rent even  reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously.  SNAAC  has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My  credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.

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 2017-05-04
Company: Northwood Asset Management Group
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company.  XXXX  failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15     days to provide proof. The account also is incompletely reporting and not following   XXXX   XXXX   compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: American Credit Acceptance, LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
a high % loan shark in XXXX XXXX carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over {$20000.00} and nothing to so for it I would like to sue them do I have probable cause XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services

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 2021-12-21
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
I had a credit card with American Express. 

I was slowly paying back the debt on every paycheck. One day the stopped collecting payments and sold my account to another company. 

However they continue to post the total amount from when I began paying them back. I have contacted AMEX and they no longer hold that account. 

It continues to show on my credit since and theres no way for me to remove it or settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: AC AutoPay LLC, Denver, CO Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for a refinanced car loan via AutoPay company. I was approved on XX/XX/XXXX and signed loan docs on XX/XX/XXXX. After signing I continue try contact the Representative that assisted me for the status o of my loan pay off. When I could not reach the Rep that assisted, I requested to speak with a Supervisor and I was informed that the Lender was behind in funding. I contacted the Lender XXXX on XX/XX/XXXX to actually find out if my loan was funded and I was informed the check was sent to AutoPay. During this time I was still contacting the Supervisor XXXX XXXX to find out when my loan will be paid off. 
I received an e-mail from the Rep for AutoPay that I need to pay my downpayment before my current loan is paid off and I need to give my credit card/checking account over the phone ... I contacted the XXXX XXXX and stated that I preferred paying my downpayment thru a secure website. I was told that I had to do it over the phone before the pa pay off check is sent ... I stated that I do not feel comfortable. XXXX XXXX stated he would send me overnight label for XXXX on the same day we spoke XX/XX/XXXX. He did not send the label until I spoke to another Supervisor on XX/XX/XXXX and it was a two day delivery for XXXX. 
My check for the downpayment will not reach AutoPay until XXXX XXXX, XXXX XXXX and my current loan payment is already late. When I spoke to XXXX and asked about the 2 day label ... I reminded him that I have to do a survey and due to the unpleasant treatment I do not have any nice comments. XXXX commented by saying if he sent me an overnight label would I change my comments. He was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from different numbers up to 8 or more times a day. Their frequent calls is not going to put money in my bank account to pay them.

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 2017-05-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with product or service terms changing

Complaint:
Today   XXXX   XXXX   XXXX   I receive a email from   XXXX   XXXX   stating that there has been a new item that has been added to my credit file and it was stating   XXXX   XXXX   credit wise so you open it up and it was not creditwise and it wants you to open and it takes you to Transunion and they want  XXXX  for the service and  XXXX  days trial then cost you  XXXX  per month. Why would I pay them a monthly fee when I get it free. I have all the copies of this coming thru  XXXX   XXXX  and it does not state anything about Transunion until you are directed. I feel this is illegal way for Transunion to get business.

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 2017-05-04
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation