BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: Revenue Cycle Management Corp
State: VT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Capital one bank late payments in 2014  XXXX ,  XXXX ,  XXXX  and  XXXX . Should be covered under the payment protection plan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: I.C. System, Inc.
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 is not mine

Complaint:
I.C. Systems continues to call me and send letters requesting a balance for XXXX XXXX XXXX that I do not owe as it was never set up nor installed. I have a CANCELLATION CONFIRMATION NUMBER FROM XXXX XXXX proving I have a XXXX balance and that an account was never set up. The ACCOUNT CANCELLATION NUMBER GIVEN TO ME BY XXXX XXXX IS : XXXX. I have mailed XXXX letters asking them to cease communication and validate the debt and they are unable to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: NY
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:
" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: GUARANTEED RATE INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28
Company: Municipal Collections of America Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: E. A. Uffman & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had Medicaid, which paid all of the medical bills XXXX % after a XXXX, including XXXX and XXXX. 

I notified XXXX XXXX XXXX XXXX of their billing error in writing and also by telephone, both times providing my medicaid number. 

However, XXXX XXXX XXXX XXXX sent {$110.00} to collections anyway, even though Medicaid had already paid all of their previous submissions for XXXX reimbursements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have written numerous Qualified Written requests to Specialized Loan Servicing LLC asking for specific items in order to determine who owns my loan, if there are any errors on my loan by reviewing them, legal documents pertaining to the chain-of-title, i.e. the Assignments and Substitution of Trustee Notices and who owns/has possession of my Note and Deed of Trust, along with other important information within my legal right to ask and receive.SLS then stated that they are not " required '' to provide life-to-loan transfers in relation to my Deed of Trust!
On   XXXX   XXXX  , 2017 SLS 's response to my Qualified Written Request/letters was that I have asked them too many times and they refuse to answer and therefore, they consider the matter resolved! They stated instead that they have a right to collect fees per the terms of the Promissory Note but do n't have to list them or give me a break down. ( only charge me for them! ) As for the errors I am looking to discover once I receive the numbers from SLS, they stated that " they have reviewed my account and there are no errors, but that I had a right to request the documents relied on by SLS in reaching the determination communicated in their letter. '' This is precisely what I have been asking for and I agree that it is within my right to receive them, but they refuse!
The previous letter I received from SLS stated if I wanted this information I would have to sue them to get it ... .does n't sound like a legitimate business practice to me and therefore I will continue to ask until I can reach my own conclusions and report them as well for fraudulent and damaging behavior toward me and my business.
Transparency is all I am requesting in order to be able to review what SLS is alleging I owe, what I have been charged for and the legal documents to show who can collect and who is claiming I owe anything. Pretty straightforward questions for a company like SLS to be able to answer, since this is their job!

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 2020-08-18
Company: EQUIFAX, INC.
State: TX
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:
I have been disputing these accounts for the longest with Equifax, XXXX  and XXXX. I have 3 seperate student loans accounts through XXXXL that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/GL on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. Equifax actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and Transunion XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all XXXX accounts. Transunion has XX/XX/XXXX, Experian has XX/XX/XXXX while Equifax has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by Equifax on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: Fedloan Help
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me

Company response to consumer: Untimely response
Consumer complaint received 2017-07-19
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out from my apartment in  XXXX  2017. They said I paid them everything that I owed, and that I did not had a  XXXX  balance. I am extremely credit conscious, I pay my credit card off every month, I check my credit scores regularly and I have never missed a payment. Therefore, it was extremely shocking and frustrating that this collection agency, National Credit Systems Inc., placed a collection against me, that showed up on my credit report in   XXXX   2017. I was never contacted by either the apartment company nor the collection agency to be informed that they still thought I owe them money. They never called ( or if they did they did not leave a single message ) nor did they send me anything in writing. I would have dealt with this before it went to collections if they had.
As soon as I became aware of the debt,  XXXX / XXXX /2017, I contacted the apartment company,   XXXX    at  XXXX  in Maryland, to confirm that I did not owe them anything, which they confirmed. Please see the attached move-out statement showing a  XXXX  balance. Then I contacted National Credit System Inc to find out what I can do to get this taken care of. The manager at the apartment company said she sent the  XXXX  balance sheet to her point of contact at the collection agency, but never heard back from them. Meanwhile, the representative that I have spoken with daily at the collection agency says they have not received anything from the apartment company. Both companies informed me that they are waiting for the other to reach out to them, yet neither company has done so.
I also disputed this collection with the   XXXX    credit bureaus, but I am afraid if these two companies can not communicate, the collection agency will continue to show that I have an unpaid debt.

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 2016-04-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company, which i hold no contract with nor have i received services from, have reported a collection account against my SSN in the amount of   XXXX  with  XXXX  ,  XXXX , and  XXXX  credit reporting agencies.I requested verification of the debt and account.However, the business failed to provide adequate proof considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
After receiving several offers for credit card from southwest chase credit card. I called one day to inquire about the card. I spoke with a woman, she told me about the card, and as an incentive to become a customer she said that the annual fee of XXXX would be waived. After hearing that I applied and was approved for credit. I got my card in the mail, and activated it, got the app and check balance periodically. Today, I checked my balance on my app. I noticed the annual fee was charged to my account. Which I figured was a mistake on there end. So, I call and speak with a CSR, a guy who I should have gotton his name, was not helpful and was VERY unprofessional. His tone of voice was absolutely despicable. I felt as I was his child he was reprimanding. I told him about the fee and he continue to say you didnt see what was being said when you applied, it said that, we dont do that. No customer or any human being or XXXX an animal should be spoke to like that. He needs to be retrained. I asked to speak to a Supervisor, which she was not helpful at all. She acted as she looked into and did not see anything. I felt if she would have did some digging then she would have been able to assist me. I felt as she did not want to help me and I was a bother to her. Being a new customer and being treated as I was, this leaves a bad taste in my mouth and have me wishing I would have never got an account with SouthWest Chase. I wish I can close this account but I can not, I got a hit on my credit getting the card and if I close it so soon, it will be bad on my credit. I feel stuck and no way out. I will warn others and inform people of my experience, so others wont get trapped like I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been charged  XXXX  overdraft fees due to account error in balance as well as service/atm issues leaving me unable to deposit cash at several locations. I am being treated unfairly and being blamed for issues by bofa reps. Also experienced a lack of customer appreciation and gratitude for being a loyal customer.

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 monetary relief