BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX or XXXX I received a call from Medical Data Sys. stating I owe X dollars for hospital visits in 2021. I mentioned over the phone that I wanted to validate the debt first and I told them I asked or mentioned that I wanted to dispute. The lady I spoke to that day said she can send me something to assist me in validation process. On or around XX/XX/XXXX I sent a letter stating I dispute the debt and requested validation to medical data systems. On or around XX/XX/XXXX I received a letter and an itemized bill from MDS for two hospital visits. MDS received my request/dispute letter around that same time. On XX/XX/XXXX, I called MDS to make sure they received the letter that I sent, I believe I spoke to XXXX, she mentioned that she can not discuss the issue due to the fact that the account was in dispute. I requested a supervisor or manager and they werent available. So she said she will have a supervisor call me at their earliest convenience. On or around XX/XX/XXXX I got to talk to a supervisor who mentioned they MDS is only able to send validations twice for one account and as a courtesy of them not sending all the information requested/ needed for me to validate the item on my credit report that she would delete the item. So I allowed 45 days to pass and I checked my report again on XX/XX/XXXX, and the item was still there. Again I called on XX/XX/XXXX to inquire why the items were still there and now this supervisor XXXX said things to contradict the supervisor I previously spoke to.

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 2016-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On about XX/XX/XXXX - I received a Chapter 7 bankruptcy discharged. My primary home on XXXX, CA. XXXX mortgage at the time was Bank Of America and it was included in the discharge. 
On about XX/XX/XXXX, Bank Of America granted me a loan balance forgiveness. ( most of this was late charges and penalties as well other unexplained fees ). The loan was also modified. 
On about XX/XX/XXXX - we received a XXXX form XXXX ( Cancelation of Debt ) in the amount of {$100000.00} - debt discharged. This form was incorrect. Bank of America indicated that we are personally liable for this, under box 5. Box 6 had the wrong coding, F ( F = agreement ) instead of A ( A = bankruptcy ). Under US Bankruptcy code, we are not liable for the debt. 
I tried contacting Bank of America for several months in regards with no resolution. The mortgage was included in the Bankruptcy BEFORE it was modified. Because of this wrong coding and refusal to update - State of California tax us on it nearly {$10000.00} On about XX/XX/XXXX - Bank Of America sold the loan to XXXX. I am requesting an investigation in regards to this matter with an updated corrected form of box 5 as unchecked and Box 6 coded as A. I have uploaded the loan modification document as well as the XXXX form for your review. 
Respectfully Yours

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 2020-04-02
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My Amazon account has affected my credit, because there was a {$25.00} balance on it for 3 months and I did not know about. I was not receiving statements. I learned about this when I received a call that I was late on payments. I paid this and extra because I did not know what other fees they would attach, including any annual membership fees. At this point, I have a credit balance on my account. 
I have called Chase credit card company twice to close this account. They say they will close it, but I keep getting statements in the mail. I do not want the card, and no longer want to pay any of their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased the Vehicle in XX/XX/2020. I contacted the bank about on the 3rd Month of the Loan I had to be out of Work for a month due to Covid and asked them for help till I go back to work the following Month. Capital one Customer Service informed me that because my Loan was so recent they could not help me unless I had 6 months worth of payments. I literally had to reduce groceries and not pay certain bills in order for me to make those 6 months ' worth of payments. I contacted them again once I made the 6th payment and they stated that after it posted to my account I can request to have an extension behind the loan due to me having to play catch up and haven't been able to be on time. Capital one now states they can not help me with the extension but says they can give me only a date and pay partial payments till I catch up meanwhile I have late fees accumulated and reports to the credit bureau of me being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXX ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}

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 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX and mutual agreement between XXXX XXXX XXXX and Bank America was made regarding a repayment plan on my loan # XXXX Case # XXXX On about XX/XX/XXXX, I attempted to make my payment however the call center advise because my account was showing in modification status the system would n't process the payment. XX/XX/XXXX I attempted to make a payment of {$2300.00} the system processed it without issue. XX/XX/XXXX, the system declined payment again the Bank canceled the repayment plan. I made several attempts to bring my account current to no avail. XX/XX/XXXX, Filed a complaint with ( CFPB ). express my concerns shortly after Bank of America customer resolution team assigned a specialist : XXXX XXXX whom I forward several financial documents/ Modification applications ... again too no avail. XX/XX/XXXX XXXX XXXX law firm notified me stating Bank America reviewed my concerns and therefore cease the foreclosure process. XX/XX/XXXX I was assigned another Resolution Specialist : XXXX XXXX whom notified me after my second complaint to ( CFPB ). stating she was my dedicated single point of contact that she would resolve the matter XX/XX/2015, Again no communication from : XXXX XXXX. On XX/XX/XXXX XXXX XXXX Attorney for the Bank notified me regarding proceeding of foreclosure hearing on XXXX, I have made every effort too make the loan current and provided documents requested for the modification filed ( XXXX ). Complaints with ( CFPB ). Currently the matter has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My son has both private and Federal Student loans. He did get behind and I ( XXXX XXXX Father ) have been catching him up. Actually I have always made the payments. He was going to take them over and lost his job, so I took them over and will be caught up next month or by first of XXXX 2016. The private loan was cosigned by his Grandmother. She recently passed away. The Grandfather got XXXX and died in XXXX home on Medicaid several months earlier. The feds of course took his pension and Medicare to cover medical bills. They left her with just enough just to live on. Navient is handling the student loans. The private loan is current. Navient has sent a letter to the cosigners son demanding a cosigner or they would request the loan be paid off immediately as if there was a huge estate left. The loan is current and not in default. This is harassing the family and Navient who I just spoke to said they wanted someone else on the loan to ensure loan is paid. The way the payments are distributed the private must get their portion first. Regardless the private loan is current and they are harassing the family and need to be stopped for everyones sake that has a private loan being handled by Navient. Navient stated they sending loan to a " XXXX XXXX XXXX " who ever they are for collection. The loan is current as the documents show! Stop them from harassing the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Auto loan by XXXX XXXX XXXX was to be removed last year from Transunion credit report at the first delinquency was XXXX of 2014. The FCRA demands accounts more that seven years old be removed from first delinquency. When disputed before, XXXX XXXX XXXX removed all information on the account, which is illegal according to the FCRA. This account has fallen off already from XXXX and 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I ask XXXX, XXXX  and TransUnion 60 days ago on XX/XX/20 to remove inaccurate accounts 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 explanation
Consumer complaint received 2020-04-02
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband list his job due to covid. He was laid off because his XXXX  had to close down. I called US bank because I saw that mortgages through XXXX XXXX or XXXX XXXX were allowing banks to let homeowners defer payments up to 12 months. I also saw where many banks were allowing you to add the missed payments to the end of the mortgage. 

I called US bank twice thinking the first person I got was wrong. I called on XX/XX/XXXX and XX/XX/XXXX inquiring about covid assistance. The only option they gave me was to put my loan in a three month forbearance but said the entire amount would be due once the three months was up. I said that doesnt help at all because my husband is now jobless. We arent going to magically have thousands of dollars in three months. I said Ive heard other banks are allowing you to tack the extra payments on to the back end of the loan. They said they werent doing that. I said this is not assisting us at all. They said that was my only option for assistance. As I said, I spoke to two different agents on two different days and they both said the same thing. I dont think its right that the banks get help during this time but do not extend the same help to their customers. Weve never been late or missed a single mortgage payment.

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 2020-04-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was notified by IC System on XXXX XX/XX/2020 regarding an alleged debt. IC System is the collection agency for XXXX XXXX XXXX. I have reason to believe this debt was incorrectly assigned to me ; my monthly payments to XXXX XXXX XXXX are current with my XXXX XXXX card ( see attached PDF XXXX XXXX payment history ). I have also used XXXX XXXX ( credit card ) in the past to pay for services to XXXX ; this card is currently on file. The debt does not explain what services are delinquent in payment ( s ).

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 2017-02-01
Company: Navient Solutions, LLC.
State: GA
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:
Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AES/PHEAA
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 have been making monthly payments, on time for over 13 years. I 'm a XXXX and was told by other XXXX that there is a program that we qualify for to forgive our student loan if we are XXXX and been making payments for over 10 years. I obtained the application, read the qualifications and I should have qualified from the beginning for forgiveness. I had the direct consolidation loan, which was another requirement. After getting the runaround and having to apply twice, I was told that I did not qualify, but that Fedloans was assuming my loan. I was told that my terms, payment, and everything would remain the same. Fedloans only would be servicing the loan. I even received that statement in writing. My usual payment averages {$110.00} per month. In XXXX 2017, I received notification from Fedloans that my new monthly payment will be approximately {$500.00} per month beginning XXXX 2017. I called Fedloans and was told that my loan was " looked at '' and at the current payment, my loan would not be able to be paid off within the 15 year term. I did not authorize Fedloans to " look at '' my account. I applied for a " forgiveness '' program that was advertised, and I qualified for per the requirements. I asked the rep from Fedloans if I had not applied for this scam, I would have continued my $ XXXX monthly payments, on time just like I agreed to do 13 years ago for 2 more years and nobody would even care? She said yes. All these years, I 've worked hard and paid on time. Now, I 'll probably default because I was tricked into applying, and giving access to Fedloans, based on their statement that they were " servicing '' my account only. ( Public Service Loan Forgiveness Program )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

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 2021-04-21
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:
Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.

Company response to consumer: Closed with explanation