BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently, I have had an account with ProCom Services of IL for about XXXX years. Due to my Spam call blocker, I dont get notifications when my phone rings for unknown callers. ProCom has never left me a message so I did not know they were calling me. I did actually pick up the line and was informed that I was in collection. Since this was the first I had heard of it, I thought the collector was scamming me because she refused to send me anything in the mail verifying the claim. 

Now, Im here months later and have had my third conversation with ProCom. The second representative and I spoke and he mentioned that the bill had not been to insurance. Again, I asked this person to send me something in writing so I could verify the charges. He also refused. ProCom claims that since they sent me the original debt collection bill that they are no longer obligated to send another. I begged them to send me XXXX and they refused. 

That made me finally investigate what this charge might be. I contacted my original medical provider and they did indicate that they sent the bill to collection. They also told me that I should dispute the claim based on how the caller said it didnt go through insurance. 

Since I cant get ProCom to send me anything in writing I drove to their office to speak to someone so I could see the paperwork on my account. They had a sign on the door stating that their lobby is closed and no one could walk in to speak with them. 

Now comes call number XXXX. I spoke with the man and told him what the medical office told me to do. He put disputed on the claim but again refused to send me anything in writing. I shared with him how silly it was that we have spent so much time on the phone discussing this when its a simple piece of paper and a stamp. He agreed and said that he thinks its a waste of his clerical team to send it out. I even told him I drove to his business and his only responses were that they have been in business over XXXX years and this is how they operate and that if I wanted to stay in collection, this was how it was done. 

Its only a piece of paper I want. Why is that so hard for them to send me a copy of the invoice?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DOVENMUEHLE MORTGAGE HAS DRAINED MY ESCROW ACCOUNT BY {$6400.00} AND REFUSES TO GIVE ME ANY PROOF OF THE PAYOUTS. I HAVE SPENT OVER 30 HOURS [ 80 % OF TIME ON HOLD ] TRYING TO GET THEM TO EXPLAIN THEIR PAYMENTS MADE FROM MY ESCROW ACCOUNT IN THE AMOUNTS OF {$14000.00}. THIS EVENT IN XXXX OF 2021 RESULTED IN THEM DOUBLING MY MONTHLY PAYMENT. WHEN THEY REFUSED TO EXPLAIN, I INFORMED THEM THAT I WOULD HANDLE MY ESCROW GOING FORWARD. I HAVE NEVER MISSED A MONTHLY PAYMENT OF PRINCIPAL AND INTEREST AND PAID THE ESCROW UNTIL THEY TOOK MY ESCROW AND WOULD NOT GIVE ME ANY PROOF OF WHY THEY PAID 3 TIMES THE AMOUNT OF PROPERTY TAXES ON MY PROPERTY. I HAVE ANALYZED MY ESCROW WITH THE ACTUAL PAYMENTS RECEIVED BY THE TAXING AUTHORITIES AND THEY DO NOT COMPARE. I HAVE ATTACHED XXXX PDF FILES SHOWING THE ISSUES I AM HAVING WITH THEM. ISSUE # 1 IS THE PRINCIPAL BALANCE. I HAVE NEVER MISSED OR WAS LATE ON ANY PAYMENTS ON MY ACCOUNT. SEE PDF SHOWING HOW THE PRINCIPAL BALANCE THEY SHOW IS OFF BY {$2600.00}. ISSUE # 2 IS MY ESCROW ACCOUNT WHICH I ANALYZED AND FOUND THAT THEY PAID OUT {$6400.00} MORE THAN THE CITY AND COUNTY TAX ASSESSOR SHOWS. I HAVE THAT ANALYSIS IN THE SECOND PDF. 
FINALLY THE LAST PDF IS THE SUMMARY OF TELEPHONE CALLS AND MY REQUEST TO HAVE THE ESCROW ELIMINATED DUE TO CAUSE SINCE DOVENMUHLE REFUSED TO PROVIDE ME WITH PROOF OF WHAT THEY PAID AND WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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 have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, 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 2017-05-27
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I unfreeze my credit on  XXXX  to apply for a house and this collection account shows up on  XXXX / XXXX / XXXX   one  day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an  XXXX  at work I could have paid this from.     Date Reported :  XXXX   XXXX ,  XXXX  Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC  XXXX   XXXX ,  XXXX  {$350.00} {$350.00}  XXXX   XXXX ,  XXXX  UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency  XXXX   XXXX ,  XXXX  INDIVIDUAL_ACCOUNT   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.

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 2017-04-05
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Old information reappears or never goes away

Complaint:
Experian, XXXX and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over XXXX XXXX XXXX. According to the XXXX, accounts older than XXXX years must be deleted from credit reports. Since the original accounts are older than XXXX years, Experian must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to XXXX law.

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 2020-03-11
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2020I paid off a collection from XXXX XXXX Preauthpmt XXXX XXXX, XXXX XXXX That's how it show 's up on my account for {$58.00}. On my credit bureau says XXXX XXXX XXXX  # XXXX XXXX. They told me they would put a request together for Equifax  & XXXX  and rushed the request to get it taken off of my credit. I've made numerous phone calls to Equifax and they said I could dispute it. The problem is I can't dispute anything because I'm applying for a mortgage and the collection is dragging my credit score down. Please let me know if you can help me get this taken off of my credit. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.

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 2020-10-26
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: Problem with personal statement of dispute

Complaint:
Hey, this complaint is about my personal information being incorrect. I sent a letter out on XX/XX/2020 and i also sent a letter out on XX/XX/2020 and today makes over 60 days since ive recieved a response or any actions taken.

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 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has place a collection on my credit profiles claiming that I owe {$640.00} to XXXX XXXX XXXX. I've NEVER had a card with XXXX XXXX in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Recurring payments were set-up through XXXX to XXXX XXXX party recipient through Chase Banks ' online banking system. The recipients account was at First Bank. For over a year there was no issue in XXXX with recurring transactions. Then funds were sent to a different recipient early in XXXX. Three recurring transactions were sent to another account in XXXX, XXXX and XXXX before we caught the error. It was perplexing as we made no change to the account recipient. 

After investigation we discovered First Bank has shut off all online account activity for the recipient due to online inactivity - even the XXXX account. However, what is puzzling, is that funds should have bounced back to our account when no XXXX account is active under such email or phone. Instead funds were redirected to another account ( information was withheld due to privacy ) - we have no clue who received the funds. 

After months of speaking with First Bank, Chase Bank, and XXXX, we were offered no resolution and each company points the finger at the other. We have filed a police report and and consumer complaint with the Federal Reserves. We have lost {$1000.00} 's because of a glitch or intentional Fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: CUSTOMERS BANCORP, INC
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX I was made aware that my personal information was used to open a savings account with Customers Bank. I did not open or authorize this account and requested that it immediately be closed. I was assured by personnel at Customers Bank that the account would be closed as soon as possible. The bank mailed me a letter confirming the account is flagged as fraudulent and would be closed. On XX/XX/XXXX I received a statement in the mail confirming the fraudulent account is still open and the Bank has not taken action to close the account. 

I have now called the bank twice to report fraud and ask that the account be closed and the matter be investigated to the extent possible. They have failed to take action and I continue to be at risk for further fraud exposure as a result. The attached letter will be mailed to Customers Bank on XX/XX/XXXX, again requesting they take action to the close the fraudulent account. 

Please investigate this matter and determine why the bank refuses to take action. 

Kind Regards, 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 explanation
Consumer complaint received 2022-03-21
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:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

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 2017-05-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several student loans from dept of education  XXXX  that are showing late payments. My loans were in deferment and I have never had a late payment. This is messing up my credit by reporting that I have several late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open the account.

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 2022-03-21
Company: EQUIFAX, INC.
State: MD
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 had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under XXXX XXXX XXXX with both XXXX and Equifax. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but Equifax did not. Equifax said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Investigation took more than 30 days

Complaint:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

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 2017-05-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a PayPal account for years. Recently, they provided me with a PayPal credit card. Never asked for it and never wanted it. The web site forces me to use it and defaults to use the card, though I have other credit card and bank on file.

Company response to consumer: Closed with explanation