BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: Blitt and Gaines, P.C.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.

Company response to consumer: Closed
Consumer complaint received 2015-06-05
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: U.S. BANCORP
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 

35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. 

Over 7 weeks have gone by with no access to PA PUA Funds.

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 2016-11-30
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling many times a day, weekdays and weekends, hours range from XXXX till as late as XXXX. I have answered the caller several time and tell them this matter has been disputed in writing and was sent via certified letter. I have also ask them to stop calling every time I have answer the call. Each agent making the call will then threaten to take me to court, report to credit bureau and get very rude on the phone. I have ask them to send the notice in the mail not by phone. They will not stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2020-10-02
Company: EQUIFAX, INC.
State: MI
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:
Theres two XXXX  XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Investigation took more than 30 days

Complaint:
I've filed a dispute and it has been well over 30 days and I haven't received any investigation results.

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 2020-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS Resources has failed to comply with Fair Debt Collection Practices Act, 15USC 1692g Sec.809 ( b ) and should be penalized by false statements to CFPB. No letters were ever sent to my consistent dwelling of 6 years, there was a data breach publicized due to XXXX  XXXX negligence during the period in question and this 3rd party collection agency has failed to provide any evidence of its response for a verdict to be rendered. I have requested to be provided with copies of any papers that show that I agreed to pay ARS. Prove the statue of limitations has not expired on these accounts. ARS is a licensed medical provider equipped to solicit finance for thus stated services rendered. Provide me with ARS license numbers and registered agent providing statements for VALIDATION made pursuant to the above named Title and section. Im considering a FTC complaint against XXXX  due to failure to comply with laws and statues mentioned.

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 2022-03-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased items at XXXX  on XX/XX/22. I pulled out my Banana Rebublic Synchrony Bank credit card to use because it is part of the same group. I was informed by the cashier that she could " switch '' my Banana Republic card to an XXXX  card in order to recieve 20 % off of my purchase. The cashier never informed me that I would be opening a new credit card. My understanding was that my Banana Republic account was switched to an XXXX account. However, Synchrony Bank informed me that switches are not possible. 

Due to these actions, my credit score was affected, and Synchrony Bank informed me that it will be affected again if I close an account. 

Thank you for assistance in helping me resolve this situation.

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 2016-05-09
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XXXX 2014 I went to XXXX XXXX Hospital after receiving an XXXX. I did not have my insurance card on me at the time but I called in the following week with the information. I was insured and have been insured for the last 10 years with XXXX XXXX. 

I later learned XXXX XXXX hospital sent my bill of {$2600.00} to Capio Partners which is a debt collection agency. I have made multiple attempts to contact Capio partners with my insurance information and contacted health net to see why the debt is in collections. All attempts were unsuccessful and all parties have failed to resolve the issue. 

Although my plan has changed with health net we were still covered at the time of the incident. I will leave information for the debt collector and for my insurance. 

CAPIO XXXX, TX XXXX XXXX XXXX XXXX XXXX Subscriber # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: RIA FINANCIAL
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the XXXX  XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. 

I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please be aware for the fraudulent and deceptive advertising business practices of the Bank of America. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Bank Of America and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.

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 2015-10-28
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am consistently encountering website errors, extremely slow page load times, and unsecure connection warnings from different browsers when attempting to make online payments towards my XXXX loan. Slow page loading prevents me from being able to manage my loan online or access the online payment center, even after returning to a loading page over an hour later. My internet connection is working and all my browsers ( XXXX ) open up other student loan websites, like XXXX XXXX XXXX, just fine. I do not want my payments being made over the phone or via mail so a working website is absolutely critical. I would like to attach a few screenshots of tonight 's payment attempt. Hopefully, you can get this New Jersey company to work on their poorly run website because customer service seems to be unreachable via phone. How does one expect to receive timely payments and high customer satisfaction from borrowers with these sort of problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. 

I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: WHEELS FINANCIAL GROUP, LLC.
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 800 LOANMART XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-16
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.

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 2016-09-02
Company: Sunset Management, Inc
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed