BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Resurgent Capital Services L.P.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.

Company response to consumer: Closed
Consumer complaint received 2022-08-17
Company: ProCollect, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello and thanks for reading my complaint. 

In 2019, my wife and I signed a lease for a condo at XXXX XXXX XXXXXXXX in XXXX Indiana. I was there playing baseball. We stayed and payed out our lease. Payed every bill they ask and didn't have any issues. the following year my wife and I were getting financing option for our first home and saw a collection on our report from XXXX XXXX  XXXX for XXXX XXXX We have no idea what that's for but just figures there no need to hassle and so we just paid it off. Now fast forward we both still have Derogatory Collection on both of our credit reports. its been incredibly damaging because it pushes or interest payments very high over something we have no control over. Our monthly payments are XXXX $ more a month because of our interests rate is high because of this Collection on our report. I contacted Pro Collect who is the collection agency responsible and they won't take it off our report. This is just wrong and the big institutions are taking advantage of us to get higher interest payments.

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 2019-12-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX XXXX my property was hit by Hurricane Michael.  I attempted to repair the property after several difficulties with my contractor and since I am in the XXXX XXXX XXXX outside of Florida. I decided to sell my property at the beginning of XXXX XXXX. I was given an offer for XXXX which I accepted. I promptly requested a payoff from my mortgage company. The payoff I received did not include the remaining funds from my restricted escrow account with XXXX dollars in it. All the payoffs I received stated approximately XXXX, but it should state approximately $81,000. After spending hours and days on the phone and their continued promises to send me required documents they still have not. I was supposed to close on XXXX XXXX XXXX  but because I haven't received an accurate payoff statement with the insurance proceeds on it I have not been able to complete the sale.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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 have contact and retained XXXX XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} XXXX XXXX  {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-05-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help

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 2019-12-20
Company: PENTAGON FEDERAL CREDIT UNION
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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:Pentagon Federal Credit Union (Pentagon FCU) Account number XXXX, the amount is XXXX, Opened XXXX XXXX XXXX.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.XXXX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.

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 2016-04-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. 
The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. 
When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. 
XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. 
When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. 
How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. 
If I did n't state this on my last response, they would 've kept going after people I do n't even know. 
I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender AmeriHome Mortgage  Loan # XXXX - CLOSEDXX/XX/2019Customer Service XXXXI refinanced the property, cancelling the loan with AmeriHome on XX/XX/2019.  A month later AmeriHome refunded the balance remaining in my escrow account, but not the  funds which they claimed they paid XXXX XXXX  County property tax XXXX.  The County reported that the tax was not paid by Amerihome because it was paid by the title company managing the refi.  I have called AmeriHome twice and was disconnected both times when asking to speak with a supervisor.  I filed a complaint on their site and received an unsatisfactory response.  I tried chatting on their website and got routed to a page that does not exist.If the money were sent to the County, I could accept a delay.  In this case XXXX XXXX who handles payments for AmeriHome did not send the check.  How can I recover the XXXX?XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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 status incorrect

Complaint:
I have spoken with all the credit cards that are associated with my name and they will not clear up the negative effect this has had on me. COVID 19 was a disaster my husband and I maintained pretty good. We called everyone and they assured us that we would not get a late on our credit and now that we are trying to qualify for a house the scores have been effect I need these fixed immediately. The home we have been renting the owner has to sell due to COVID 19 and we would like to purchase but the late payments seem to be the only thing that is affecting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I've made several attempts to have these medical bills removed. By sending letters to the bureaus and letting them know that it is inaccurate and needed to be removed. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX   ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything.medical bills more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; These two bills in the amount of {$1800.00} and {$2000.00} are in collection with ARS and the medical bill is coming from the company listed above.

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 2018-11-05
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: Account status incorrect

Complaint:
This is in regards to the complaint around # XXXX. The case has been erroneously closed. In their response they stated that the account was closed for delinquency. Also, in their response they show that they returned the payment made that would have cleared the debt on the account. The credit report shows that I was in good credit standing ( with the exception of the two months they decided to not take payments ) until XXXX. According to them they " closed the account in XXXX ''. Their actions were unreasonable and violate FCRA unequivocally. This blemish on my credit report is completely fraudulent.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian about XXXX XXXX XXXX and their turning my account over to collections while I was in forbearance. I requested forbearance and was given forbearance. I requested forbearance be stopped and wanted to pay whatever I owed. I contacted XXXX XXXX XXXX and requested them to take the payment from my checking account as was done normally ( for XX/XX/XXXX ) and I received notification from Experian that my account had gone to collections on XXXX XX/XX/XXXX. I called XXXX XXXX XXXX to find out why this was done and no reason was given. I have a VA loan and I should have been given the option to pay the forebearance amount as I asked them to take the amount out of my checking. The CARES act gives me rights to ask for forbearance and reschedule the payments and this was not done. I asked to stop forbearance and asked to make the payment and nothing was done and no attempt to contact me was made before turning to a collections agency. Both XXXX XXXX and Experian are wrong. I have some rights.

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 2019-12-20
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-07-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom may he/she concern, I received a letter in XX/XX/XXXX stated that I opened an checking with Santander. I immediately call the customer service center at XXXX then spoke to representative XXXX at XXXX XXXX. I told him I did not open any checking account and he said he will close the account since I did not authorize. On the letter, the checking account number is XXXX. 

I waited for 2 weeks and I did receive any closing statement so I call on XX/XX/11. The Santander bank Fraud dept, XXXX said to me no one close the account or created one. I was very mad in my mind that what kind of service is this. So I ask XXXX XXXX to create one for me and he did. The case file no. Is XXXX. 

I am very concern if someone will use my identity again and open accounts without my knowing. Please help me with this situation. Thank you very much.

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 2015-03-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I purchased a XXXX XXXX XXXX on XXXX XX/XX/XXXX. The XXXX item number is XXXX. My username is XXXX  and the seller 's username is XXXX. The amount charged to my card is {$1000.00} through XXXX on the seller 's behalf. 

Upon winning the XXXX auction I paid using my Capital One credit card with an account number ending in XXXX. The seller quickly informed me they were not going to sell me the vehicle for that amount and said they were issuing a refund. I never received the refund so I filed a dispute with Capital One. I contacted the seller again and they claimed XXXX would not allow them to issue the refund after numerous attempts, all the time claiming technical issues. 

XXXX responded to the dispute claiming I had purchased a subscription, not an item that was already used. Completely false. Unfortunately it is Capital One 's policy to automatically rebill customers if XXXX responds. I responded to Capital One by challenging XXXX 's claim it was a subscription by submitting documentation including the auction page showing it's a motor vehicle, the seller 's messages supporting their intent to refund the purchase. Clearly no item was received, there is no documentation of any item being received and the seller clearly wanting to refund the money. 

My account has now been rebilled and Capital one has done nothing to issue the refund. Instead of using common sense and reading what happened and issuing the refund they have denied issuing me credit for the purchase. It's my belief they can not recover the funds from XXXX nor the seller and are attempting to stick me for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX and XXXX XXXX  XXXX are reporting me late when Im not late.

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