BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2017-03-12
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa 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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 we visited Bank of America Branch in XXXX, CA. 
I wanted to access my safety deposit box. 
For 45 minutes the clerk " XXXX XXXX '' was unable to locate my safety deposit box. Although the week before I was at the same branch where I had retrieved the documents from the safety deposit box but on that day I was planning to return it. 
Then the manager named " XXXX XXXX '' approached us. She was very abrasive and rude. My XXXX year old son was getting upset and crying. I asked XXXX XXXX to lower her voice and be polite. She was not been polite and continued her abrasiveness and aggressive behavior towards us. 
She even claimed I have no safety deposit box. 
Then after an hour they found my deposit box which they admitted they had written all my information wrong. 
I did file a complaint right there and did let them know that their unprofessional behavior is not acceptable. 
Their incompetence caused my son and myself a great deal of stress and discomfort. 
She said contact their Area manager. I called XXXX XXXX XXXX numerous times. he never returned my call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I purchased a defective item from an individual. The individual charged my Capital One credit card under the name of a fictitious company that does not exist. The fictitious company name is XXXXXXXX XXXX XXXX. I attempted to dispute the charge with Capital One and Capital One said I would need to get a refund from the merchant. However the merchant does not exist and therefore I have no recourse or ability to get a refund. Because the merchant does not exist, this should be classified as a fraudulent charge and refunded to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016, someone acquired my credit card number and my personal information to purchase XXXX, at XXXX XXXX XXXX, Florida XXXX and then had the order smipped XXXX XXXX,,, ,,XXXX, XXXX XXXX XXXX XXXX and had it billed to me XXXX XXXX XXXX XXXX, Florida XXXX XXXX. It was charged to my XXXX card ending in 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 monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was sent in the mail ( XX/XX/2020 ) from HRRG saying I owed debt to XXXXXXXX XXXX XXXX XXXX  XXXX for the amount of {$1000.00} from an ER visit on XX/XX/2020 ( which did happen ). I first called HRRG and they offered me a discount in 2 payments to pay my debt because of COVID and the pandemic. This set off alarms. So I then called my hospital directly to pay what they said I owed. I paid my bill in XX/XX/2020 for {$530.00} in full ( after insurance ) and they said they had no other amount I owed to the ER but gave me the number of XXXXXXXX XXXX XXXX XXXX XXXXXXXX to see if I owed them as the ER and physicians sometimes bill separately. I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they had no record of me in the system at all. When I spoke with the account specialist, he said he's been getting multiple calls like this about HRRG. After looking me up with last name, date of service, birthdate, etc. - there is no record of my debt and the practice of the ER and physicians billing separately ended 3 years ago. HRRG is using the pandemic as a front to collect money!

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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have multiple student loans with the account number XXXX. These loans were a part of a rehabilitation program that I completed. At the end of the rehabilitation, the loans are supposed to be closed out and the status of all late payments should be changed to paid on time. I completed the program, but all of the late payments still show on my credit report. I have sent letters to TransUnion so that they can update all of my payments to show paid on time, but they will not update the accounts. I have sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not removed the late payments from my account. I have attached a letter from the department of education that states that I have completed the rehabilitation program and that all of the payments on the accounts should be updated to show on time payments and that the accounts should be in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On Thursday, XX/XX/2016 I made money transfer in the amount of {$500.00} through the Western Union wire. For some reason, the wire was placed on hold but the funds were still removed from my account. When the receiver when to pick up the funds from Western Union, they were told I needed to provide identification via facsimile. I felt this was a phishing expedition as I have never had to do this before using their services and sending it to this receiver. Each time I call Western Union to cancel, I am told I need to provide documentation or identification, I informed my bank and they are dumbfounded suggesting that I work with Western Union. Western Union is indicating this is a government requirement to have the sender to provide identification, the MTCN # is XXXX. There is a huge language barrier from each individual that I speak with regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: The CBE Group, Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I answered one of CBE Group 's phone calls. I have no idea what debt they are trying to collect but they asked for me by name. When I offered to make a minimal payment of {$25.00} twice monthly they refused to take and said I would need to qualify under their financial needs program. They told me I would need to be asked several questions. The first gentleman I spoke with was very pushy about the questions and insisted that my household should have a savings built up. He told me exactly how much money I should have left over after every paycheck and that the numbers just do n't come up right for me to have no money and not be able to pay more than {$25.00} twice a month. Then he insisted I ask anyone I know to loan me the money. After I put my foot down he got his " manager '' to redo everything he just did. The manager was rude and pushy with me also. He continuously insisted I " find a way to get the money right away and pay it all at once '' and that " the company they were collecting for wanted one lump sum payment ''. I was told to open a new credit card or take out a personal loan to pay the debt. He also kept telling me that there is no way I 'm broke and have no money, that my financial situation just does n't add up. After this, I let the man know that I needed to get off the phone, which I had already been on for 30 minutes, because I have a child that needed to be tended to. I said I would need to discuss this with my husband and his response was " well how much time do you need to talk to him, a day? ". He got a little rude with me about wanting to get off the phone before the debt was settled and said they 'd calling back in 24 hours. In an attempt to answer the call I just said " ok '' and hung up. This was about 3 weeks ago. They 've proceeded to call me everyday since, even taking it as far as calling me on a Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
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 took out a {$50000.00} loan from XXXX ( now Navient ) back in XX/XX/2007 to attend University of XXXX. During that time, I was never given an option to co-sign with my parents. After my schooling ended, I was automatically set up on a 10-year repayment plan ( by no choice of my own ) with bills far exceeding what I had the means to pay because of the economic crisis. Worse, when I contacted Navient, they quickly ushered me into a forbearance program without even making me aware of an income-based repayment plan. It was n't a few years had passed that I did my own research and found that an income-based repayment plan was even an option. But by that time, my loan had already reached {$80000.00}. I was 100 % taken advantage of at every step of the way, and bullied into forbearing my loans. Now I struggle monthly to even pay off the interest ( at 15 % of my income ) and will be paying almost {$200000.00} after my 25 years is up for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I APPLIED FOR MORTGAGE ASSISTANCE FROM MY LENDER ( BANK OF AMERICA ) BUT THEY CAUSING LOTS OF NEEDLESS DELAYS IN THE PROCESS REVIEW WHILE CONTINUING WITH FORECLOSURE ACTIONS!!! 
I AM TRYING IN GOOD FAITH TO FIND A SOLUTION FOR MY MORTGAGE PROBLEM AND HAVE PROVIDED EVERY ITEM THEY ASKED FOR. NOW ALL OF A SUDDEN THEY SAID THEY ARE SELLING THIS LOAN TO A DIFFERENT COMPANY AND THEY WILL NOT WORK ON MY MODIFICATION APPLICATION ANY MORE!!!! ACCORDING TO " B OF A '' I HAVE TO WAIT UNTIL THE NEW COMPANY GETS MY FILE & CONTACTS ME TO CONTINUE THE PROCESS. YET THEY WILL NOT STOP THE FORECLOSURE PROCESS DURING THIS TRANSITION PERIOD!!!! 

BANK OF AMERICA HAS PUT THE MODIFICATION REVIEW ON HOLD BUT THEY WILL NOT PUT THE FORECLOSURE PROCESS ON HOLD!!!!! THIS IS SO UNFAIR AND UNREASONABLE!!! 
IF THEY ARE WAITING FOR THIS TRANSFER PROCESS TO COMPLETE BY THE SAME REASON & LOGIC THEY SHOULD WAIT ON THE FORECLOSURE ACTION TOO. THEY HAVE PUT AN IMPOSSIBLE OBSTACLE IN FRONT OF ME WHILE CONTINUING WITH THE FORECLOSURE STEPS!!!!

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 2021-02-14
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a previous Discover Card credit card account. The previous account balance and debt I owed to Discover Card was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of Minnesota Bankruptcy Court on XX/XX/XXXX. I applied for a Secured Discover Card credit card account and my credit card application was denied for approval and credit. Discover Card keeps denying my online applications for a Secured Discover Card credit card account due to me filing for bankruptcy and getting the previous Discover Card account discharged in bankruptcy court. Discover Financial Services is discriminating against me for filing bankruptcy and getting the previous Discover Card credit card account discharged in bankruptcy court, denying me credit and an opportunity to rebuild my credit. Discriminating against based on my race, me being XXXX American. Discover Financial Services is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Commission ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have my complaint and this matter throughly investigated and amicably resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a loan with Bank of America and have been working since XXXX XX/XX/2014 to get the loan modified to an amount that is affordable. We have faxed income info, paperwork, made phone calls and no one returns the phone calls, we just get a notice that the loan modification request has been denied. They are not very personable and at this time we are in the midst of possibly losing the home, there are XXXX kids in the house and XXXX of them has a XXXX XXXX XXXX and is in need of the school system. The interest rate is way too high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This lender used unethical practices to secure a fraudulent pre qualifying letter, paying for inspections, home appraisals, and earnest money, and then the weekend before closing telling us we did n't qualify for a mortgage. This lender has affected multiple individuals in the real estate sector, and consumers. The lender and the company was very unethical, and cost us much money. I expect to be paid full restitution of damages. This place is horrible, very disrespectful, and unethical. They should n't even be open for business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation