BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Rausch Sturm on XX/XX/2019 and was informed that my wages would be garnished in the amount of {$1400.00}. The garnishment started on XX/XX/2019 and continued until XX/XX/2019 totaling {$1400.00}. 
On XX/XX/XXXX I closed on a house and was supposed to have a negative closing cost of {$470.00}, which was supposed to be refunded to me. I was told by XXXX XXXX at XXXX XXXX XXXX XXXX that the garnishment still showed up but that she talked to XXXX XXXX at Rausch Sturm that the account was paid off and that they would send me the check. 
I have since contacted XXXX XXXX and he says he never received the check. XXXX XXXX emailed me verification that the check was in fact received and cashed. I told this to XXXX XXXX and he still refuses to admit he cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had fraudulent charges on my credit card. 
Capital One has had employees tell me different things which included the ability to re open the dispute and that the date coorespondence needed to be received by was not important. 
I provided information to them within 60 days of the charges and disputes but because I opened the disputes up in XXXX, I am not eligible for protection. The policy has changed from Employee to Employee and nothing is clearly a policy but discretionary. In turn, False advertising. 
As of Today, I now have been told differently and denied assistance by Capital One as they are not helping whatsoever with the fraudulent charges. Their employees are all saying different things and the consistency of information, policies or Fraud liability help does not appear to be as advertised. 
Their reasoning is solely based on me not delivering further information within 14 days when again, representatives at previous conversations explicitely stated the dates are irrelevant as long as it is within the 120 day period. 

I spoke to Visa and Visa says the policy is Capital One 's individually but Capital One does not have any sort of policy in writing and has not trained their employees to communicate accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, DeptedXXXX XXXXXXXX, DeptedXXXX XXXXXXXX, US Dep ED XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXXXXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. Experian is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.

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 2017-04-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XX/XX/2020 ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover Bank charged me {$30.00} to send an outgoing wire, only to reverse the transfer 8 days later, {$42.00} less and no good explanation. 

On XX/XX/<YYYY>XXXX/2017, I initiated an outgoing wire in the amount of {$120000.00} from my Discover Bank account to a XXXX bank account. Discover bank deducted from my Savings account {$120000.00}, plus a {$30.00} transfer fee, and mailed me a confirmation, indicating that fund would be received on XX/XX/2017. 

On XX/XX/2017, Discover Bank returned {$120000.00} " Reverse Outgoing Wire '' to my account. I got a missed call from them, but they did n't leave a message. 

From XX/XX/2017 and XX/XX/2017, I have been in contact with Discover bank 's outgoing wire department through secure messages and phone calls. I learned that the reason for the returned wire was " no conversion instruction ''. I disputed that no such info was required, and it was clear on the wire instruction form that fund sent to an foreign account would be converted to local currency. I demanded an investigation and to receive a written response, and to be refunded the {$72.00} that I lost. 

As of XX/XX/2017, I received no response. The " secure messages '' I sent and received on Discover bank 's website have disappeared as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Goldman Sachs Bank closed my XXXX savings account without notifying me on XX/XX/XXXX. I couldn't receive over {$6000.00} direct deposit XX/XX/XXXX. The savings account pays my rent XXXX and XXXX, XXXX XXXX credit cards XXXX. They are not paid and hefty no-check fees, no-payment penalties, and late fees follow. I am a XXXX XXXXXXXX XXXX of XXXX at XXXX XXXX in NJ working on my tenure and recontracting packet for submission deadline on XXXX. This mistake by Goldman significantly disrupted and delayed my completion of the packet and may result in health deterioration and job loss. My tax return refunds are scheduled to be receive by Goldman Sachs savings account.

It was revealed by an account manager at midnight XX/XX/XXXX that the reason for the un-notified closure was due to ACH transfers to a checking account in the amount {$160.00}, which in XXXX meant a lucky number of " will be smooth and lucky '' and convinced the manager as motivated by superstition. However, Goldman Sachs Bank continued their wrongful closure and refused to return the money to me ASAP but insisted on taking 2 business days to review the account without taking any action to remedy my losses they are causing. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

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 2022-04-19
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my CashApp account was compromised and the scammer withdrew {$300.00} from my XXXX XXXX XXXXXXXX checking account which was linked to my CashApp. The scammer used this money to buy XXXX, attempted to send it to an unknown person ( which failed twice ) then sent it to someone else ( also unknown to me ). They then tried to withdraw additional amounts which were all blocked ( {$700.00} attempted three times, then {$350.00} attempted once ). 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. XXXX  XXXX XXXX issued a temporary credit for the missing {$300.00} on XX/XX/2022. 

Today on XX/XX/2022, I received a followup letter from XXXX  XXXX XXXX stating that the fraud claim had been denied and the {$300.00} credit would be removed on XX/XX/2022. The reason provided by XXXX XXXX XXXX is quoted as " Cash App provided documentation showing the transaction is valid, and weve included it for your records. '' I plan to pursue CashApp to recover the stolen money but wanted to file the complaint first to inform them that this step has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into Capital One bank to open a checking account. I signed the signature card, provided my ID, made the opening deposit, received a temporary check/debit card on XX/XX/XXXX. Today is XX/XX/XXXX and I still can not get access to my account online. I have spoken in person at the branch and over the phone to XXXX ( XXXX ) different representatives. None of them have been able to help so far and checking back tomorrow seems to be the best option after spending between 30 minutes and an hour with each representative trying to resolve the issue of online access. It never occurred to me that in XX/XX/XXXX online access would be difficult at any bank. If I had not already paid to order checks and deposit slips I would simply close this account and find a more competent bank. Can you help??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2022 Equifax reported that I had no public record because of a dispute I submitted. On XXXX XXXX Equifax put a public record ( bankruptcy ) on my report without notifying me. I never received a 5-day notice of the re entry. This is fraudulent and against the FCRA according to 15 U.S.C. 1681-1681X

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, Do n't know if these accounts are mine. Cant reach any companies by these names in Arizona. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Data # XXXX 3. XXXX Collections # XXXX Thank you

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 2017-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Lost or stolen check

Complaint:
I deposited traveler checks at Bank of America XXXX, PA XXXX on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still do not have the money for the checks. 

When I followed up XX/XX/XXXX, I was told by the teller that they will take up to 30 days to process though when I deposited them was told only 2-3 days. 

My next followup a few days later I was told they could not find the checks and they were. Next, they were just going to take 20 days to clear. Then they did n't know what happened. Now they ca n't find them though I have the despot receipt and no money showing in his account for the checks. 

They told me I had to contact XXXX ( who supplied the checks ) when I did not purchase the checks, the checks were given to me in form of payment. 

I still can not get a straight answer. I hear the same excuse over and over again. The manager I am unable to contact via phone though she gave me her number. I have lost pay for all the times I had to go into work late in order to resolve this issue. 

Why do I not have my money after 6 months?

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 2022-10-16
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Affrim have called me on several different occasions, which is 4-5 calls per day. I have already paid them the money I owe, and they continue to call me and harass me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked them to stop calling but the calls continue

Company response to consumer: Closed with explanation