BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account #  XXXX   XXXX   XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in  XXXX   XXXX    XXXX    XXXX  in the amount of {$53.00} that was reported on all  XXXX  credit bureau reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, 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 allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a " notice of error '' to my mortgage provider, PHH. I called their help line and they gave me the address to submit to. i received no answer and repeated the process 2 more times. i sent an email to them too. they stated in the email that i submitted to the wrong address. I explained that i had submitted a CFPB and PHH explained that the complaint would not be recognized since i sent the correspondence to the wrong address. i took there advice and resent to the address they suggested. there has been no response. i am not taking their advice and resubmitting my complaint. they have. 

Over billing me by {$2800.00} in escrow charges that have no supporting evidence Refusing to credit me for payments made to PHH in the amount of {$7600.00} Failure to respond to my inquires on these matters for over 90 days Creating a notation in your case management system on XXXX/XXXX/15 at XXXX that the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Creating a notation in your case management system on XXXX/XXXX/15 at XXXXthat the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Showing that I have a shortage of {$14000.00} when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dispute this Item  XXXX   XXXX  : Account  XXXX  Amount {$250.00}. please deleted this item TransUnion. TransUnion did not compile with the State Attorney General  Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately  disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is   hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 2017-05-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.

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 2016-09-21
Company: Professional Placement Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted the company and credit bureau about this this account. A representative told me that I will just have to continue to dispute this account monthly. This is a fraudulent account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Comerica
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Comenity Bank/  XXXX   is attempting to collect a debt that  was discharged in a bankruptcy. I have tried on several attempts to get this matter r esolved. They just recently updated their tradeline on my credit report has a charge of stating that I owe  XXXX  as balance owing. The previous credit report stated o balance included in the bankruptcy and now they want to come back and still try to collect That negative remark caused my score to go down  XXXX !!!!! in which I was just denied for a home loan due to it. I will not pay for something that has  been discharged in  Bankruptcy and what they are doing is illegal and against FCRA I have proof which I will upload. This is causing me an extremely large amount of financial burden and I am still paying for something that is over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: DISCOVER BANK
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: DISCOVER BANK
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Global Asset Management Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: The Receivable Management Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an email from  XXXX   XXXX   XXXX / XXXX / XXXX  that something was just added to my credit report for collections.     THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!!     When I checked there is an account on my credit from  XXXX   XXXX  via THE RECEIVABLE MANAGEMENT SERVICES  XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  stating I opened an account on  XXXX   XXXX ,  XXXX  and it is now in collections for {$880.00}.     That is impossible for a few reasons : First, I have lived at my present address since  XXXX   XXXX ,  XXXX  and have had the same garbage collection company, which is not  XXXX   XXXX .   Second I had a  XXXX   XXXX  account that was paid and closed since  XXXX , at the very latest.   Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere.     I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently.     I have disputed this to   XXXX   but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for  The Receivable Management Services to  do.     I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.

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 2015-09-14
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, I noticed that  Capio Partners repo rted  XXXX  medical debts on my   XXXX    credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners  to delete these accounts from my credit report, but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action  by Wells Fargo.       Wells Fargo modified a mortgage that was discharged in my  Chapter  XXXX  Bankruptcy.  XXXX  dollars. They are now trying to foreclose on a debt that has already been  discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in  my bankruptcy.     Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government.     Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be!     How is it we are still being lied too!

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 2017-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan with Navient started around  XXXX / XXXX / XXXX  and after a year of payments with a lack of clear information, I got fed up with the truth and completed my last payment on  XXXX / XXXX / XXXX .   All my statements were unclear on my balance, my interest amount, and how my money would be distributed within my loan. I discovered on my statements that dates and amount adjustments were n't explained. My online account revealed a bit more information on distribution but still not clear on my interest amount and reasons for company liberties with my account.   In  XXXX / XXXX / XXXX  I spoke with customer service revealing of my $  XXXX  /day  interest &  240 payments til I reach forgiveness of about {$500.00} ( with 12 payments done, I had 228  to go making my interest about the same as my main balance ) At the start of my loan I was quoted {$2800.00} estimated interest for the life of my loan. On  XXXX / XXXX / XXXX  I was quoted " about {$7600.00} '' in interest.   After I paid off my loan in disgust, my brother, who I encouraged to enroll with loan forgiveness servicing discovered that you, the CFPB filed a lawsuit against Navient. I 've been collecting my information to approach you with my issue ... to be included in the lawsuit.

Company response to consumer: Closed with explanation