BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The doctor scheduled a XXXX with XXXX XXXX XXXX. XXXX called and stated that they had ran the insurance and got me prequalified and the XXXX would be cover 100 % with no co pay or down payment needed. Three months later I received a bill for {$1400.00}. I called the billing department and explained what happened. I was told by the billing Manager that a mistake was made by the department and the would be billing the insurance back and it would be billed the correct way to clear up mess that was made. The bill was turned over to XXXX XXXX XXXX for collection. I reach back out to XXXX XXXX XXXX and was told that it would be removed off my credit because they was the one that made the mistake,. The Item was removed off my credit report but put back on by Medical Revenue Services. I called back to speak to the manager at XXXX XXXX XXXX but had to leave a message and I could not get a return call back. I called Medical Revenue Service and spoke to XXXX. He refused to let me talk to the manager to try and get this problem corrected. XXXX stated that the manager did not have time to talk with me about this problem. This is the 3rd time a bill had to be cleared up with one collection but put back on by Medical Revenue Services.

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 2017-06-08
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
First of all, I was notified that the Califor nia Tax Board had an  order to collect {$140.00} for registration fees. I was planning to catch up on those fees at the end of the month.       I started  XXXX  with a balance of {$49.00} the bank withdrew {$49.00} and left me with   XXXX   on  XXXX   XXXX .   I then had a service charge of {$25.00} for negative balance, ( which they caused )  XXXX   XXXX  they charged me with an overdraft fee of {$35.00} I then had an auto payment of {$19.00} I then had an auto payment of {$2.00} I was left with a negative balance of {$57.00} I believe that there was no court order for the amount of {$49.00} therefore Bank of America 's actions were in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
LOANCARE LLC HAS MY CREDIT REPORT REPORTING INCORRECTLY. IN THE MIDST OF LOAN MODIFICATION THEY KEPT REPORTING LATES AND THIS IS NOT CORRECT. THIS HAS BEEN ADDRESSED SEVERAL TIMES AND WILLING TO SUE THEM FOR THESE ERRORS. I HAVE SERVED THIS COUNTRY AND THEY DON'T SERVE ME CORRECTLY. I AM SHOCKED WHEN I PULLED MY CREDIT AFTER GETTING DENIED THAT THIS WAS SHOWING THE WAY IT IS.

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 2021-05-17
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I made several attempts to request a debt validation letter and supporting signed documentation via the midlandmanagement.com website and when I called to request a debt validation letter and supporting signed documentation I was refused. The company is refusing to provide me with a debt validation letter. They are instead forcing me to tell them that I will not get an attorney involved in order for them to do so. This is fraud as they can not prove the debt. 

They won't allow you to do anything to understand if the debt is valid and they ask you for a lot of identifying information up front including a social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Monday XX/XX/XXXX I attempted to contact a debt collector in order to settle debt from 2017. I requested a debt validation letter and the representative refused to give it to me. I asked multiple times if he could email me a statement saying he could not give me a validation letter and continue to refuse and avoid the question. I have paid them twice and they were unable to provide information or confirmation about my {$140.00} payments. The payments attached are to XXXX XXXX for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account and savings account with this " bank '' in XXXX. In this process I established an verified an " external account '' in case I needed to withdraw any money. Yesterday, I set up an ACH transfer from this bank to my already vetted external account so that I could pay my estimated Federal Tax payment. Today ( one day after I set up the ACH ) someone calls me and tells me I need to send in my drivers license and a copy of account statement for the account to which the ACH would be delivered to. I did that. Next I do what they ask. A few minutes later they tell me that they will not honor my XXXX request as my husband 's name is primary and mine does not appear on the statement. To make matters worse, they removed the money from my account and they tell me that they will not be putting the money back into my account for 5-7 business days. I called XXXX XXXX  XXXX and spoke with a VP. She advised me that there is no requirement whatsoever for the names on an ACH transfer to be identical. So now these bandits have locked up {$25000.00} of my money for 5-7 days while they sit on my money. Another expample. Today I transferred money from savings to checking. The money comes out of my savings but is not put into my checking. Again they sit on your money. This is obviously some sort of gimmick for not paying interest on customer money. These folks ought not to be operating a bank. This is being operated more like a traveling carnival. This needs to be examined, investigated and dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX in XXXX of 2020, sent my personal credit information to multiple banks. 
I had my funding already from my bank. The following inquiries was placed on my credit fraudulently. 
XXXX XXXX XXXX from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 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 2017-06-22
Company: CITIBANK, N.A.
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:
XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it 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 2022-04-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See letter attached. I am also unable to forward this response per USPS postal agent yesterday. po box and zip code FL XXXX combination is incorrect. The postal agent refused processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: LD Holdings Group, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Loan Depot they have called me for a past few days multiple times. My phone record on my phone only keeps so many. 
Called XX/XX/XXXX at XXXX, XXXX, XXXX. 
XX/XX/XXXX at XXXX, XXXX I have called and asked them to remove me from the list but they still keep calling. It says that you can be removed but I hit that and they still keep calling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: National Credit Systems,Inc.
State: CA
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:
I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have repeatedly asked TransUnion to verify these two accounts ( XXXX XXXX XXXX : XXXX & XXXX XXXX  XXXX  : XXXX ) After reaching out to them more than two times, they still failed to verify them. At this point TransUnion is reporting false information and accounts that does not belong to me. They would realize this if they just investigate correctly and stop stalling. I have become very frustrated with TransUnion continually not following the laws set by the FCRA. At this point if these accounts are not removed from my credit report, I will have no choice but to get the courts involved because this is starting to affect me getting credit.

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 2017-06-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  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 2022-08-04
Company: Uplift, Inc
State: TX
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:
According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: SC
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:
reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My contact information is provided below and I have included proof ofI My identity. 

I contacted Equifax initially into the same probpem and they still are being fair and partial violating my rights. A proper reinvestigation was not done on my behalf and the items are neagtively affecting my credit health and i am unable to extend credit due to them not following federal laws. 
Instead of deleting the negative items that aren't mine, Equifax keeps sending me the same letters in the mail. I have several letters of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient, for our student loan, calls our home every 30 -45 min utes, beginning at  XXXX  and ending at  XXXX - XXXX  we are behind on our loan. we have called them to set up a payment plan. Even when a payment is made, we still get the calls because we have not caught up.  <P/> I believe the federal trade commission says that numerous calls a day is considered harassment. I have tried to get navient to stop the calls and they refused, denying that they even call that often.  <P/> It is very upsetting to get calls every 30 minutes, every day. and then they deny they are doing that, and refuse to help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.

Company response to consumer: Closed with explanation