BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-07-08
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am the XXXXXXXX XXXX XXXX for my son who is currently XXXX  and someone is continuously trying to open numerous accounts in his name. He is not capable of doing this since he is in a XXXX XXXX  for over a year now. I have contacted the individual companies as the notices come in, however this needs to stop before someone gets something opened in his name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: Equitable Acceptance Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son received academic services through XXXX XXXX XXXX. When I was referred to XXXX in XXXX of XXXX, my husband and I were informed that our son could receive one-on-one, in person, tutoring services from one of XXXX 's academic tutors for three years. The start of services were provided through a one-on-one format with one of your academic tutors, but after the eighth sessions my son was informed that he would be receiving academic tutoring services via computer format. My husband and I were never informed that academic tutoring services would be switching from a one-on-one format to a computer format. We would not have signed up for XXXX 's services if we knew that they would be on the computer and not in person. This was not the type of tutoring service we pursed for our son, and I followed up with a representative of XXXX in XXXX of XXXX via telephone requesting to terminate services, in which I was initially denied and informed that nothing further could be done because the contract date had passed to cancel. Despite our rescission of the contract in XXXX XXXX based on this misrepresentation, Equitable Acceptance, who financed a revolving credit plan for XXXX 's services, has been attempting to collect {$1500.00} from us. Attached to this complaint are copies of the billing statements and the XXXX XXXX, XXXX letter sent to both XXXX and Equitable Acceptance reiterating our grounds for rescission and describing the provisions of California 's Consumer Legal Remedies Act violated by XXXX 's conduct. Instead of validating the debt in any way or responding to the content of the letter, Equitable Acceptance instead sent a billing statement on XXXX XXXX, XXXX. I believe this was sent in violation of the FDCPA and California 's Rosenthal Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent in countless letters both in XXXX and XXXX to now may and they have yet to budge I have 57 inquiries and its taking a major part in making my life very hard Its impacting my housing and working conditions which is causing issues in my personal life with my significant other but its impacting how I take care of my kids and family

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 2018-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
Experian Report Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Experian regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Experian received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Experian provided me with the reinvestigation dispute results on XX/XX/2018 stating " information on this item has been updated. '' ( See attached copy of Experian dispute results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Experian 's reinvestigation dispute results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Experian has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if Experian does not immediately remove this account from my  credit report, Experian will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

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 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Bank of America credit card and I had a balance of {$16000.00}. I did some refinancing and in XX/XX/2018 I paid off the {$16000.00}. Then in the next month 's statement BofA charged me {$150.00} interest. I wrote to BofA disputing that I owe them anything since I paid off the balance that was on my statement. I received a short memo dated XX/XX/2018 stating " We've received your recent inquiry regarding the account listed above and we're researching your dispute ( s ) and will respond to you within 30 calendar days. '' As of XX/XX/2018 I have not heard from BofA.

But that is besides the point. When I pay off a balance I expect that to be the end of the matter and I do not expect to be charged interest on something I've paid off!

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Back in XXXX, I noticed on my TransUnion consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. So, on XX/XX/XXXX I sent TransUnion my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. 

TransUnion responded with a letter dated XX/XX/2021 saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for TransUnion to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XX/XX/2021 I sent a second letter to TransUnion showing them proof that the U.S. bankruptcy court did not verify any information with them, so TransUnion is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. This is a pure violation of my consumer rights. I did not and still do not consent for TransUnion to use the E-Oscar system to " verify '' information, which is what they are doing.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
The very company ( Equifax ) that is supposed to be protecting my identity ... allowed my identity to be stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Acra Intermediate Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our complaint in summary : We have been approved for XXXX XXXX XXXX  XXXX ( XXXX ) Our Mortgage Provider has verbally said they are planning to participate Our Mortgage Provider has us in active forclosure with a sale date although we have assistance through XXXX XXXX to bring us current. 

Our desired outcome : Our mortgage provider stop all forclosure actions and accept the assistance we qualified for with the XXXX  XXXX program. 

Mortgage Provider is CITADEL SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX We filled out an Application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have weekly communication with Citadel informing them of our hardship and status of XXXX XXXXXXXX Application through out this whole time and still on going. 

In late XXXX we wanted to start making monthly payments so that we would only be a couple months behind. We tried to pay for XXXX and we were in XXXX. 

XXXX We made an online payment towards our delinquent amount. That was later returned. Citadel was at that point only willing to make the account current which meant we had to come up with the full amount past due and current due. 

XXXX XXXX XXXXXXXX sent us notification that they were awaiting response from our Mortgage Provider. It was the wrong provider listed and took about a month to correct. 

XXXX We heard from both XXXX XXXX and Citadel. XXXX XXXX formally requested participation in the XXXX program. Citadel acknowledged receiving the email and forwarded the information to management for review.

Citadel through out the process asked us to apply for a repayment plan but XXXX  XXXX informed us that a repayment plan would be viewed as us getting current and no longer needing assistance. We would no longer qualify for the assistance. We continued to communicate weekly with Citadel and XXXX XXXX checking on any movement. 

XXXX We received a notice of Trustee sale with a date set for XXXX XXXX We have been in contact with Citadel Sr. Loss Mitigation Specialist. 

XXXX We were informed that Citadel was planning to sign up but that its a long process. 

XXXX Citadel has no update regarding particapating in the XXXX program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Mobile Deposit check on XX/XX/2022 wells fargo put a hold on it until XX/XX/2022 made scheduled payments for bills to come out. I noticed on XX/XX/XXXX funds were not in my account called the bank they transferred me to the loss prevention department they told me that the check could not be verified and is now being held for fraud that was reason one. I got disconnected called back was told a different reason this time that unusual activity was coming from the issuers bank account. So at this point the person who wrote me the check ( girlfriend ) called her bank and was told that the money was withdrew from her account two days before XX/XX/2022 and that wells fargo does not know what they are doing. I then called wells fargo on XX/XX/2022 and they told me absolutely something different after telling them we verified with the issuers bank they responded with ( not going to release it until the new extension date XX/XX/2022 ) i asked why again i have bills to pay they said because we believe your trying to cash a check fraudulently. I went down to the local branch with the issuer showed the branch manager and they were at loss of words and didnt know how to help me. I am fully exhausted with this bank and now im going to have my bills late and occur late fees and items will show late on my credit report all because wells fargo messed up there way the hold deposits and lying about 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 2017-08-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: JPMORGAN CHASE & CO.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Home Mortgage solicited me from within my log in for my mortgage account to " pay off my mortgage faster by making 2 payments a month '', rather than 1. I clicked on the button to explore this option and was shown figures indicating I would be saving thousands by making payments this way. I opted to go ahead and switch my payments to be twice a month rather than once a month. The Chase online system walked me through making the switch, and brought me to a page where I was told to " select the payment dates for my new payment plan '', which I did and I selected the XXXX and the XXXX of each month what I understood to be my new payment dates. ( I believed these would be my " new payment dates '' because Chase system indicated they would be and kept referring them to me that way, my " new payment days ''. The system then had me confirm my bank information for automatic withdrawals on my " new payment dates ''. 
The following month my payments started to draft as scheduled on the XXXX and XXXX, and all was good until I realized recently when I logged in to find tax info that I have been getting charged a late fee every single month. I called Chase and was told basically too bad. I am getting charged because I did not pay within the grace period. 
Again Chase solicited me to change up my mortgage payments to begin with. My mortgage was in good standing and I had no issues with late fees until all of this. 
Since Chase solicited me to make the change, and then THEY allowed me to choose " new payment dates '' without any disclosure that the selection of new dates would NOT excuse me from late fees if the new dates were past the grace period of my previous due date ; chase needs to delete all the late fees that were charged from this and recalculate my outstanding loan balance without the fees and resulting increased interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.

Company response to consumer: Closed with explanation