BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection is from XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX. 
I had severe XXXX XXXX XXXX XXXX XXXX and was taken by ambulance to the XXXX 
Several medictions were administreed and after XXXX hours I was XXXX. This was in XXXX of 2021. XXXX XXXX, my insurance, paid over {$22000.00} ( I believe ) to XXXX. They came back with a remaining balance. A call to the collection agency was met with an argumentive and rude tone. When I rquested certain detailed invoice information, she refused and informed me I had to get that from the hopspital. XXXX charges for this service. I was also " seen '' by a total or XXXX docotrs, yet only XXXX was in the room and spoke to me. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, My account at Marcus by Goldman Sachs has been locked for a month. A month ago, I attempted to transfer my money from Marcus to another bank via calling Marcus, and found my account locked the next Monday, without any warning or notification during that call. I called Marcus again, and was told that they would send me a form to fill and send back to them for reviewing. I filled and sent the form immediately after receiving it, and called back to check its status after I saw the tracking status as 'delivered '. This time, I was told that it would take 7 to 10 days after I sent it out for the review. So I waited 7 days and called again. I was told that it was not done yet, and I may call back next Monday. I called on next Wednesday, and was again told that it is not done, and I should wait 7 to 10 days after they receiving the form. Now it is already over a month after my account was locked, and 2 weeks after I sent the form. The form is just for identity confirmation, and I wondered what kind of review process could take over a week ( which is not done yet! ). I also requested for talking to people who is in charge of reviewing, and got rejected.

My experience with Marcus is very unpleasant. First, they should warn me if there is any potential issue when I make the transaction. Second, the whole process takes a very long time from sending the form and reviewing. Third, it is a lot of communication between the department answer my call, the department receiving my form, and the department review my form. Meanwhile, I can only speak to the people on service call, and won't get valid information or direct communication with the reviewing department. Also, the timeline of unlocking my account kept being putting off and no one from Marcus takes responsibility of solving the problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  : XXXX XXXX Date Updated : XX/XX/2018

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  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 explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: OR
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:
I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  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 2017-04-26
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated for.

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 2017-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.

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 2017-04-26
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON 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 2017-04-26
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several calls from this company " Commenity Bank for XXXX XXXX XXXX XXXXXXXX ''. I have returned their call and was told that my information was not listed on the account, as well as the information for my son who has the same first and last name but different middle name. I gave them DOB and last 4 of SSN for both of us. I was old today that the specific name on the account is XXXX XXXX but with a different DOB, SSN, and address. The representative told me that they essentially fish for a possible phone number for the person on the account and call it. I have asked them to remove my number in the past and they have evidently not. My son and I have never had an account with Commenity for XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday, XXXX/XXXX/XXXX My laptop stop working and in the screen it saying to call a number to security my laptop or security. From the tech company, it say my network been hacked. Then they told me to talk to the bank for protecting my account. I called them, tell me to buy a gift card to low my balance, so that hacked can not take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
SPS Mortgage servicing is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score ca using the score to be lower by  XXXX  basis points. I have contacted SPS regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year. SPS corrected my credit reporting for all  XXXX  credit bureaus and   XXXX   for my husband. When I contacted  SPS  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's   XXXX   report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  ( so n is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers o ur credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when   XXXX   was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have b een trying to get SPS t o fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can low er my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

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