BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for and received a business credit card from American Express for a professional limited liability partnership. I specified in the application and was advised that this credit card was not a personal card, but for the business only, for business use only. I disassociated from the business and the business continued with the other XXXX owners. XXXX of the other XXXX owners who continued to operate the business cut up the card in front of me and advised that it would not longer be used. Over a year later, American Express sought payment for overdue balances from me personally. I requested a verification of the debt amount owed, a copy of the credit application, and made multiple attempts to dispute any personal obligation of the alleged debt and suggested that the such transactions were unauthorized and any credit granted to me was non-transferrable, but all the representatives of American Express would do is demand payment in full without verification. Now, my credit score has been effected and this will cost me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I began attending XXXX at XXXX and began signing loan documents while I was still in high school. I have accumulated 16 loans to both private institutions and the federal government totaling over {$50000.00}. I have an AA degree in Criminal Justice which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company states the I owe a debt with 2 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 2 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. Delete the two accounts starting with the numbers XXXX, XXXX as soon as possible.

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 2015-12-01
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in 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 2016-07-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
lvnv funding is currently reporting my credit report for a debt that I was not aware of I have not received no letter no phone call no validity of the debt nothing, they have not even verified they have right person or given me the right to challenge the debt I filed a complaint with bbb and all lvnv funding gave me was a copy of a bill with a address that I do n't live at, said address belongs to a family member

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 received notification that a medical bill was in collections, for {$1500.00}. I call the company to get further information about the debt. Upon doing more research I see that the actual debt is for {$1400.00} from the emergency services given. I now find out that Credit Systems , Inc company is charging me interest on the medical bill debt. I've never had interest on a medical debt and I think that they are illegally doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was used to make fraudulent ATM withdrawls and the bank issued a provisional credit in the wrong amount. I ca n't get them to fix the error. Their Fraud department says that the transaction was disputed in the correct amount ( which it was ) and that Customer Service needs to fix the credit amount. Customer service says that I have to file a new fraudulent transaction report to get the right credit amount. The Fraud department says that I ca n't file a new fraudulent transaction report because I have already disputed the transaction. My local branch says that I have to call the Fraud Department who sends me to Customer Service who sends me back to the fraud department. I just want to get my money back. The credit should have been issued more than a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: GA
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:
All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

Experian XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 monitor my credit report through various means- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc., and all of them show two inquiries from companies that I don't recall applying for credit with- XXXX XXXX in XX/XX/2021 and XXXX in XX/XX/2021. I contacted XXXX when I discovered the inquiry, because my credit score had not been high enough for me to even remotely consider trying to get a credit card through them. They were supposed to investigate and have the inquiry removed, but it still shows up on XXXX XXXX XXXX " copy '' of my TransUnion report. I haven't contacted XXXX XXXX about this issue. 
Another problem with XXXX XXXX is that I have contacted XXXX and XXXX regarding an address out in California that I have NEVER lived at or operated a business at ( I googled it and found out it's in an industrial location ), but XXXX XXXX still shows the outdated information. XXXX and XXXX have also claimed to have removed this inaccurate address, but it's still there on XXXX and XXXX XXXXXXXX XXXX copies of my credit reports. How can I get these incorrect information removed, permanently? 
I also noticed that further than 2 weeks back, they do not show the personal information section on the credit report! So, all names and addresses " reported '', that appear on any other credit report site, from all dates, are not appearing 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 2016-07-29
Company: Resurgent Capital Services L.P.
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found some old medical debt that I was unaware of on my credit report, I reached out to the company to set up a payment plan. When I called I had them give me the contact information they had on file ; I informed the lady on the phone that I was completely unfamiliar with the address they had on file and it certainly was not the address the medical office had on file at the time of service. I updated their contact information to include my legal last name, my current address and current employment ; then I proceeded to try to set up a payment plan that I could afford as I really do want this situation rectified. My payment plan offer was refused and the call was ended. I called back a couple days later the next woman I spoke to mailed me a copy of the debt and hung up. I made several calls to them over the next few weeks, I left many messages as I could not get through to an actual person and none of my calls were not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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:
There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXXP - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/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 2017-04-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of {$1000.00} from  XXXX   XXXX  when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment.  One ye ar later, I found out {$1000.00} was sent to collections. I settled with  XXXX   XXXX  &  XXXX  for {$700.00} in  XXXX     2015.  2 years later, I now find out that a {$360.00}  ( d ifference of debt owed and settled ) is in collections at National  Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from  XXXX   XXXX  into collections  XXXX   2015   ( c oincidentally 6 months after first settlement ). I called  XXXX   XXXX  and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.

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 2021-05-18
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan application was being processed for over 2 months, I've spent time and financial resources getting this application pre-approved and it was in underwriting according to the lender. I received an email with them informing me that " Existing mortgage loan reported in forbearance within the last 24 months. A full 24 months housing payment history is required to proceed. '' They knew from the start that the mortgage had been in forbearance for 8 months during the start of the pandemic because my wife lost her job. They had known this all along. Now they have all of our personal information and negatively affected our credit score with hard inquiries. I feel like I got cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Experian on  XX/XX/2017    about not being able to sign into and view my credit report. I was advised that there was no issue in their system and did n't know why I could n't view my report. It was also reported from others who had the same issue as mine. After being transferred among st 7 di fferent people and being on the phone more than an hour, I was finally in touch with a supervisor. Upon having a conversation with him and me requesting that I receive information on how they came to the conclusion that my inquiries and collections were mines, he told me that he would NOT disclose that information to me and all he was going to tell me is the information is verified as mine. I believe that is against the law and violates my rights! I was told that none of the inquiries could be taken care of or removed even though I advised that they were not mine, along with the collections that are reported on my account.

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 2017-02-04
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away. 

Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it. 

I 've contested the collections notice with XXXX and XXXX and they still pop up. 

It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was not clearly explained the interest and the details on the forbearance. I was given bad information about my loan repayment and was told that it could not be consolidated and that the interest rates would continue and that i did not have to make any payments. I was not told correct information about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has sent me a letter on XXXX, XXXX, 2016 stating that they were researching my account based on the fact that my loans were taken out of deferment while I am still in school. As of XXXX XXXX, 2016 I have yet received a response from them. In addition I have checked my account and they have transfer some of my federal stafford loans and I have no idea where they are transfered to. Navient has not sent me any notification of this transfer. 

In addition after they sent me this letter that they were reviewing my account they send some of my accounts to creditors.. They are playing games with my account and its really not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.

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 2016-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and Bank of America is trying to put an Escrow on the account for taxes. I sent the taxes and they sent them back because an period was n't right place on the check.They sent it back to me to fix it. I did but forgot to mail it back because my daughter was founded to have XXXX she was our first choice to see about she was very sick. when I did set down to read mail, I answer, called themt and paid the taxes. when I got ready to pay the mortgage they put and Escrow on the account. All the rest of the taxes is paid and insurance is paid up. We have never been late on mortgage, taxes behind in insurance, For fourteen years they left my wife off the contract, I mean the buyer contract. I want her name on our contract.

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 2016-12-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
Citibank, failed to mail my XX/XX/XXXX ( paper ) billing, never emailed or contacted me regarding nonpayment. I called, they said to pay the purchases of {$300.00}, which I electronic paid XXXX day later. They would consider removing the {$25.00} penalty and {$4.00} XXXX fee. They failed to remove, I called they claimed ca n't reverse the computer action. 
I become frustrated, decided to paid off the entire billing which amounted to {$1000.00} which included later XX/XX/XXXX purchases ( which included the penalty of {$25.00} and interest. I mailed a letter of complaint on XX/XX/2016 filing my complaint in writing to Citi Card located in XXXX, SD. They never responded, they again ignored my complaint. Now, checking on-line I see their latest billing statement of mine for the period of XX/XX/2016 to XX/XX/2016 a balance due of {$9.00} for additional INTEREST charge dated XX/XX/2016. I PAID THE TOTAL BALANCE IN FULL WITH PENALTY AND INTEREST ON XX/XX/2016. THEY NOW BILLING ME {$9.00} FOR INTEREST FEE DATED XX/XX/2016 AFTER PAYING THE BALANCE IN FULL. & lt ; This is totally unacceptable practice and illegal activity and I respectfully request a full investigation into Citi Card billing of interest on account after full payment. & gt ;

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