BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: Midwest Recovery Systems
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted into the XXXX Medical Center Emergency Room on XX/XX/XXXX using my insurance through XXXX XXXX. A few months later, the doctor attempted to bill me through XXXX XXXX XXXX XXXX. I called XXXX XXXX who informed me that they had sent payment and that the check was never cashed. I contacted XXXX XXXX XXXX XXXX who I put into contact with my insurance company to settle the issue. I was assured the issue was settled and had forgotten about it until last year. I noticed a collections account had showed up on my credit report by a company called XXXX XXXX XXXX. I had called them and found the debt was resulting from XXXX XXXX XXXX XXXX claiming they had not been paid. I was told the account had been sold to another company and it would come of my credit report shortly. I was never notified by phone or mail that this debt existed except for the original bill in XX/XX/XXXX. In XX/XX/XXXX, the account once again showed up on my credit report through XXXX XXXX XXXX. I called XXXX XXXX and inquired about this bill to which they confirmed that the check sent to XXXX XXXX XXXX XXXX several years ago had once again never been cashed. They said they would send a check out immediately for payment. I called XXXX XXXX in XX/XX/XXXX and they had confirmed the check was sent. I then contacted XXXX XXXX XXXX XXXX who told me that the matter was no longer controlled by their accounts receivable, but by the debt collector. I called XXXX XXXX XXXX and was bounced from person to person over the phone. One person told me it looked like a payment had been made, but they could not tell me how much or what the remaining balance was. I asked for an invoice of the account and they agreed to send it to me. I gave them both my email and updated address, but still recieved no statement. I called again a week later and was given the run around once again with a promise of an invoice, but no reconciliation. Today, XX/XX/XXXX, I was called by XXXX XXXX XXXX and advised that the debt needed to be payed today to avoid them having to tell " their client '' ( I assume XXXX XXXX, but they would n't tell me ) that I was defaulting on the debt. I asked once again for an invoice, but was brushed off as the operator insinuated that it did not matter. It seems time and time again as the debt collection employees are very nice until I tell them that the debt is invalid in which case they became very confrontational and attempt to get me to pay them anyway. Why would I pay for a debt that I can not even confirm with an invoice? I would really just like to get this sorted out between the three parties, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MD
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:
I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-06-09
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a new notification from XXXX that a new collection was just added to my report. When I researched this information, I found out that Professional Debt Mediation had a collection account on my credit for XXXX XXXX XXXX XXXX in the amount of {$740.00}. It indicates that the account had been opened on XX/XX/XXXX. 

The problem I have with this company is that they violated my rights as a consumer by not providing written or in person documentation of this debt before placing it on my credit report. I did not receive any notification about this debt ; meaning it was not verified. I never received any written documentation from this company about this alleged debt. I do not believe this company even has my address on file. 
They did not follow the Fair Credit Reporting Act policies on how to notify a consumer of a possible debt they may owe. I have no knowledge of this alleged debt nor do I believe it is my debt. They have failed to do a proper notification and validation of this debt, therefore, it needs to be removed immediately from my credit report. And this company needs to follow the Fair Debt Collection Practices Act and FCRA policies on how to pursue/validate a debt. 
PLEASE BE AWARE THAT THIS COMPANY DOES NOT HAVE ANY OF MY CONTACT INFO UNTIL NOW DUE TO THIS FORMAL COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Net Credit on XX/XX/2018 for {$6400.00} and I have paid all of the {$6400.00} with the exception of {$850.00} and they are still trying to collect another {$6400.00} over and beyond what I should have paid in interest fees, and to make matters worse they do not show any of the monies I did pay on the account and they have 3 charge offs on my credit file for the same exact account. Of course I have my banking records which clearly indicate all of the money taken out of my account every two weeks which will prove I am telling the truth. My contact is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Trans Union was contacted by me on XX/XX/2017 regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with Trans union to have their inquiry deleted. When I contacted Trans Union today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.

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 2017-10-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX & XXXX levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of {$800.00} and trying to get {$8000.00} more onXX/XX/XXXX. I called them on XX/XX/XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.

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 2017-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
citizens bank stole my direct deposit social security check in the amount of {$XXXX} although last month on XXXX XXXX, XXXX, I asked the window teller how much I needed in the account so I can get my check until they switch it and I did so. They never told me until it was too late and the back spitefully and maliciously stole my means of sustaining life, i.e. paying bills!!! 
Once before, when I said I was a XXXX XXXX XXXX XXXX, the bank shut down my ability to see what was going on in my account because of my reporting identity theft!?!?!?! Then after XXXX XXXX XXXX XXXX days of not seeing where/what or balance available, I went to the branch and practically had to apologize for the facat that they were not following the law and showing me my ACCOUNTS. 
I need my {XXXX} and this is happening to everyone I know?????? 
I can not live while a bank lies, deceives and transfers an obvious thief just like the XXXX did with the XXXX who XXXX XXXX XXXX!!!!! Transfer them to another XXXX to do to more children and transfer XXXX, the bank senior rep who started this whole thing by telling me that, " ... it costs too much money to transfer money to pay down your XXXX so I 'm closing that account and opening another ... '' Turns out, it costs NOTHING and I never saw on my end to this date the XXXX NOR THE ACCOUNT WHICH XXXX XXXX from XXXX of the Chairman refers to in the XXXX XXXX letter which I have attempted to contact her over XXXX ( XXXX ) times to NO AVAIL AND I want my money with the same XXXX % interest the bank charges people. 
Apparently, Citizen 's Bank thinks I will get tired of typing but I am NOT THE AVERAGE CITIZEN AND LAST I READ ( although most in society do not have integrity, honor, dignity, and pride ) I did nothing wrong and am a productive member of society working my way through XXXX, achieving my XXXX XXXX XXXX with a XXXX XXXX and paying bills on time so I MUST GET MY MONEY BACK!!! How dare a bank make billions of dollars counting on people not having the ability to fight for what is theirs and I hapopen to be the one who will go to every news channel if this is not in a timely manner required by LAWS THAT NOONE KNOWS BANKS DO NOT FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$420.00} was taken from me from MoneyLion Ive called multiple times to get my money back from them they said I cant transfer to my other bank account. I had my work pay in there?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
i have a new mortgage loan though XXXX eff XX/XX/19 i contacted then on XX/XX/19 to see if my automatic payment was received and found after talking to XXXX that my account was set up incorrectly, after making the adjustments XXXX accepted my payment ( payment # XXXX ) said the payment would be withdrawn Mon XX/XX/19 from my XXXX XXXX acct by Fri XX/XX/19 the payment of XXXX had not. I contacted them again and spoke to XXXX she stated XXXX transposed my acct # when processing the payment and she ( XXXX ) would reverse the payment posted to my XXXX account ( also reverse the " bad check fee '' amt {$15.00} ) and to call back Monday XX/XX/19 to have my actual payment processed for XX/XX/XXXX. I did call them back and spoke to XXXX for the payment, ( payment # XXXX ) she processed my payment it was to be XXXX however as of today XXXX was taken from my wells fargo account i called them and was tole this would need to be escalated to a supervisor and it could take 2/3 days for a response, mind you my XX/XX/XXXXpayment is still outstanding and another persons payment is still on my wells fargo account, please advise

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 2019-07-24
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am following up on the claim # XXXX that was closed after the company responded and i was unable to respond to that claim so I open this case as a follow up to express my frustration and anger. Like i said it was a Bank fraud and my computer was compromised at the time the money was transferred on XX/XX/2020, with the description of XXXX XXXX XXXX # XXXX ; XXXX, XXXX. Recently I also filed the police report on XX/XX/2020 and I also found a suspicious IP address that was recorded in my XXXX account that shows it was signed out at exactly XXXX XXXX  XX/XX/2020 when the XXXX transferred was also initiated at XXXX XXXX, XX/XX/2020. I am attaching here a new set of documents where it shows the browser version and the IP address that belongs to me compare to what the perpetrator use. I also attached here a screenshot of my email showing a bunch of verification code request from the perpetrator. When i login to my computer for the past 5 years it does not ask for this information. This detection is clearly triggered by the Bank finding suspicious activity in my 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 monetary relief
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: NV
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 been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.

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 2017-10-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, 2017 CFPB : Today I tried to initiate the XXXX Mortgage Prequalifying Process. JPMChase Website said " Welcome to Chase Home Lending ''. The Software put me into a loop, where, five ( 5 ) times, I entered the same information without progressing. I have been a JPMChase Customer for over forty ( 40 ) years. That the Software trapped me in a loop shows utmost Disrespect for me as a Long-Time  Customer. I demand that JPMChase prequalify me for a Mortgage Loan of not less than {$300000.00} USD. <P/>Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The previous servicer XXXX XXXX have transferred/sold my old account to Selected Portfolio Servicing ( SPS ) without resolving my old XXXX account. The present servicer Select Portfolio Services is unaware of my tender of payment offered to XXXX prior to this transfer. My tender of payment to which XXXX service should have closed my account out therefore relieving me from any further dealings with any future servicing agency or bank ( s ) .This did not happen. 
Also, ,it has come to my attention due to the hardship of homeowners during Covid-19, XXXX XXXX XXXX CEO XXXX XXXX is putting a freeze on all foreclosures until the end of this year 2021. This is in support of the Consumer Financial Protection Bureau proposal rule that will prevent lender from starting foreclosures ( see attached ). 

in addition SPS provided me with the 1 ) owner/investor name and address 2 ) the trustee name and address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX  or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CCS Financial Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My former insurance company was XXXX. I sold my vehicle in XXXX, 2017, before relocation to Hawaii and notified my own agent that I would no  longer be driving, therefore I would not need to have a policy. All the paper work involved with virtually everything in my life has yet to arrive in transit from the mainland to XXXX. Thank you for understanding

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation