BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: Nationwide Credit Corporation
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tried to contact me numerous times. Over the phone in which I have asked to verify the original creditor had updated the amount owed to show correct amount, I had also asked for a written confirmation letter of amount owed so i could pay. Which as of  XXXX  they said they had finally sent but I have not received. When I said I need this I was told they are going to contact  XXXX   county s aying i refuse to pay which was incorrect. I am trying to get confirmation on amount owed with their fee. They have been abusive with harassing calls.

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 2021-11-14
Company: Capio Partners, LLC
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:
I sent certified registered letters to CAPIO PARTNERS regarding accounts that appear on my credit reports with all three credit bureaus. I requested a DEBT VALIDATION letter and they in turn sent me an " account statement '' which has my last 4 digits of my social security number on them, dates of service, and original account numbers from medical/healthcare facilities. There is also a section with " Patient : XXXX, XXXX XXXX ''. These are all in direct violation of XXXXIPPA Regulations including but not limited to the 18 HIPPA Identifiers. I did not sign a HIPPA letter giving them permission to have this protected health information about me. I am attaching the letters I sent CAPIO PARTNERS and the ones they sent me in this complaint.

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were previously held by  XXXX   XXXX , which were eventually sold to  Navient.  I 've always paid online and up until recently I was able to make an extra payment on my loans that was applied THAT MONTH to the outstanding loan principle of my choosing. This was a valuable tool that allowed me to pay off my student loans quicker.  <P/>  Navient  has now suddenly, and without notice,  disabled  this feature from their website. After making repeated calls to find out how to continue with this repayment strategy I was informed this is no longer an option and that a borrower can only make an advance payment on the following month that is due.  <P/> This is a debt trap that ensures borrowers will be paying loans longer they need or want to. There is no listed consumer affairs contact information to register a complaint with, so I am doing it here.  <P/> This debt repayment strategy is key to getting out of debt quicker and to save money over the life of the loan. This deliberate attempt to thwart borrowers from quickly paying of their loans is a shady business practice designed to line the pockets of this company.  <P/> It is my hope that enough complaints will be filed here to force the company to reinstate this option on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.
I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by   XXXX   for  XXXX ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.

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 2022-04-06
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On report XXXX, Experian is listing the city for my current residence XXXX XXXX XXXX XXXX, XXXX, WI XXXX as XXXX when it should be XXXX. When I try to dispute this information online, the system will not process the request. And they are incorrectly listing the city on a prior address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, WI XXXX as XXXX when it should be XXXX XXXX. The report also lists the same address in two different variations - one with the apartment number and one without, the address without the apartment number is not correct and should not be listed on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In the beginning of   XXXX   XXXX  , I began working with   XXXX   XXXX    from Bayview Loan Servicing , LLC. I am a  XXXX , and for about 2 months I had been working with  XXXX  because   XXXX   XXXX  , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months,  XXXX  lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with  XXXX  almost daily over the phone, which was always recorded by Bayview, and through email.   XXXX   XXXX   XXXX   was the deadline for us to have a complete file in order to stop the auction sale. On   XXXX   XXXX   XXXX  ,  XXXX  sent me an email stating that the sale had been postponed and the house would not go on auction sale on   XXXX   XXXX   XXXX  . After   XXXX   XXXX   XXXX  , I continued to schedule appointments to speak with   XXXX   as I always did, but he would not call me, until yesterday,   XXXX   XXXX   XXXX  , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on   XXXX   XXXX   XXXX   and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because  XXXX  and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for   XXXX  ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.

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 2019-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a bank account that I don't use very much. Aside from the monthly {$16.00} service charge Bank of America charges me monthly. I don't keep much money in that account and there has been a few XXXX dollar and XXXX dollar charges that went againts the account when the account had insufficient funds. The bank did not pay those charges for me, but is charging me {$35.00} fees for them. Each one of them, most of my charges are less than {$10.00} but they charge me a {$35.00}. This year they have charged me {$980.00} dollars in fees on less than {$150.00} dollars of charges with low funds. Most of the fees have been because the bank credit my account with money late or waits for my account to be low of funds then all the charges hit at once, almost as if they are doing it on purpose.

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 2022-04-06
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIRSTPOINT COLLECTION RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX To : The Office of Registered Agent for FIRSTPOINT COLLECTION RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
State: CA
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 balance transfer

Complaint:
I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been working with Bank of America for a loan modification since  XXXX  of  2016 . At that time, i had requested to be reviewed for the HAMP program since the program was going away. The Representative there advised that based on who my Investor was that I was able to apply for the HAMP program and there was still time as long as I applied prior to  XXXX   XXXX . 6 months later, they just barely approved me for a loan modification however, now my payments have increased and i still have an unrealistic interest rate of 6.375 %. I just dont feel that Bank of America  property evaluated me and now I am finding out that they never reviewed me for HAMP in the first place. When i contacted them they said it was too late anyways becau se that program no longer exists!

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 2017-06-06
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 - {$200.00} - unauthorized amount was removed from card {$100.00} -Unauthorized amount was removed from card Between XX/XX/2020 to XX/XX/2020 - I contacted the company to resolve the issue of the unauthorized withdrawals and nothing was done. 

A claim was not completed by the company until XX/XX/2020 by that date a total of {$1300.00} in unauthorized payments were withdrawn from my account. 

I have not been refunded any of this money despite my consistent calls and efforts. 

The only thing that the company did was to issue me a new card. 

The Company name is Direct Express I am a senior living on a fixed income and this is money from my monthly social security. 

The only thing that Direct Express advised me to do was to start an investigation by completing paperwork that they mailed out which I did. I sat on the phone for hours 1 to 2 during each call which was over 3 calls. They mailed a letter stating that they could not determine fraud occurred even though the unauthorized purchased appeared for the same location and a location that I do not attend. 

I also have a police report for this matter that has been reported to my local police department dated XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing the collections balance of {$1400.00} under XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX. XXXX 's letter states the original creditor was Citibank , N.A . The Home Depot Consumer Account Number XXXX, however, I personally contacted Home Depot and Citi Bank and they stated they did not recognize the account numbers provided by XXXX. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the XXXX to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call XXXX, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent XXXX, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by XXXX, XXXX and the credit agencies, yet both XXXX and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.

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