BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Moneygram Locked out people used my account trying to send payment reported immediately still not able to use or cleared when I sent all supported documents I'm tired of being victimized!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
When I went to check my credit report on XXXX during the month of XXXX I found that they had a delinquent account on my Macy 's credit card that I was 90 days late on a {$980.00} charges. I two years ago bought a mattress from Macy 's but paid for it in installment plans. When I called their Customer Service they said that a series of purchased were made online with their Company. I have never made an online or in store purchase in two year.

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 2016-06-26
Company: CITIBANK, N.A.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold checking account on XXXX/XXXX/16 with Citibank Financial services through a promotion that offered XXXX XXXX XXXX Miles for making {$1000.00} worth of purchases on my debit card and a bill payment. I received confirmation of the promotion after opening the account. The requirements were met well within the requested time frame and I contacted Citibank customer service regarding the bonus miles. After receiving no answer from them regarding the issue a month later they responding stating I did not open the account through a promotion. I would have never opened this account without a promotion.

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Transunion. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.

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 2016-10-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The Hotel had posted a charge on my credit card when the hotel stay was prepaid by a travel company used to book the hotel. The Hotel could n't locate the charge to refund and the travel agency recommended disputing the charge to refund the money. I disputed the charge with the credit card, receive a notice that I could supply additional information or a routine investigation would be completed. A month later, the dispute was rejected and I called the credit company and asked why. The credit card company representative told me the routine investigation consisted of essentially of doing NOTHING. It seems like the ENTIRE work on disputing the charge is on my end. I will be filing out the paperwork to send but I am extremely disappointed in the deceptive described service of " investigation '' which amounted to doing nothing. I think it is unfair for the typical consumer, especially for a straightforward case like this where the vendor does n't even deny the dispute, to expect a REASONABLE investigation to be performed when in fact, basically NO investigation was actually performed. Advertising to do an investigation and actually doing nothing and then asking the consumer to do XXXX the work is false advertising.

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 2017-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted numerous complaints about this situation but ad astra still not giving a clear path to resolve this matter, ad astra never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for ad astra. I was home and suffered from covid illness, majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, ad astra knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This investigation process has not been completed. I am currently still waiting for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The complaint is against Seterus Inc, " debt collectors and servicers. '' As many as ten times we have sent in extra lump sum payments to be applied to mortgage principal, only. On every occasion Seterus applies the check to regular monthly payments. When we call in to correct the matter, we are kept on the phone as much as 45 costly minutes while they reluctantly handle the matter, and try to assert we did something wrong ( we always write a detailed letter with our check including all requested and relevant info on the check itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed XXXX disputes against a debt collector ( XXXX XXXX ) reporting a debt owed to my Equifax credit report. Prior to these disputes, I filed disputes with XXXX and XXXX against the same debt collector. The nature of my disputes was that this debt collector never validated the debt by taking the effort to make me aware of an outstanding balance or any debt owed. Upon submitting the disputes with both XXXX and Equifax ; the debt collector ( XXXX XXXX ) could not provide any documentation showing that I had been made aware of a debt owed prior to the reporting of said debt on my credit reports. Following this response, both XXXX and Equifax removed the debt from my credit reports. I filed the same dispute with Equifax against the same debt collector ( XXXX XXXX ) and once again, the debt collector did not provide any documentation proving that they had made an effort to contact me prior to reporting the debt. However, following this response, an Equifax supervisor ( XXXX, employee ID XXXX ) told me that " because there was a response from the debt collector, they can not remove this account from my credit report. '' The employee continued, stating, " Our retention policy requires us to continue to report a debt for up to 7 years '' I then informed her of current FCRA laws regarding the reporting of debt from a debt collection agency and she reiterated her former response. I then proceeded to file an additional complaint of the same nature against the same debt collector, in which the same response followed by the same explanation was given. After calling Equifax, explaining to them that the other XXXX CRAs have removed the reporting of this debt, another employee ( XXXX, employee ID XXXX ) advised me to contact the debt collector directly, stating that Equifax does not oversee the removal of a misreported ddebt but rather they just inform the debt collector of a dispute against them. The employee further explained that when a dispute is opened through Equifax, Equifax forwards the dispute to the appropriate debt collector and the collection agency is responsible for conducting an investigation. This is very different from my understanding in not only the role that a CRA plays in the handling of disputes and removal of debt reporting but also the dispute process itself. I would like to file a complaint against Equifax for mishandling of a dispute against a debt collection agency. According to the current FCRA laws regarding the reporting of debt, the consumer must be made aware of an outstanding debt prior to the reporting of said debt on any credit report. Further, failure to report such a debt in compliance with FCRA laws and regulations subjects debt collection agencies to certain reprocutions ( including the loss of validity regarding a collection account ). Equifax did not abide by the FCRA laws nor did they assume their role as a CRA in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH DATA FURNISHERS. THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH DATA FURNISHERS. THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 
YOU ARE IN DIRECT FEDERAL VIOLATION.

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 2019-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CITI BANK CORP automatically initiated " paperless statements '' upon the online banking set up process. Apparently, you need to " uncheck '' a box to receive paper statements. CITI BANK sent the first statement ( new account ) via email, I was unaware until it was 30 days past due. Once realized I hadn't received a paper statement in the mail I called customer service in which they informed me it was past due. I immediately paid the account in full, requested they remove the automatic " paperless statements '' and asked to have fees removed. CITI BANK CORP understood situation and refunded late fees as well as any accrued interest charges. They would not however remove the 30 day late reported to the credit bureaus. CITI BANK CORP should take ownership of its deceptive business practices in blindsiding the consumer. Having to find an " uncheck '' a box is not how majority of credit card companies go about signing up for this feature. I understand credit card companies are always finding cost cutting measures but it shouldn't be at the expense of the consumers credit report. I've never been 30 days late on any account, receive well over 300+ emails per day so " paperless '' statements is never an option. I feel this is a gray area and not a true reflection of the reporting made to the 3 credit bureaus. Signed, XXXX XXXX. # FrustratedCITIBANKcustomer

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