BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. 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 patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : 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. 
Account Resolution Services failed to comply.

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 2016-12-03
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is new but related to our earlier complaint # XXXX. That complaint was lodged against XXXX Mortgage because it appeared that they were paid off by our new mortgage company in a refinance. I have discovered that XXXX did not receive the payoff as our loan was sold just prior to that event. The new mortgage servicing company for just a few days was LoanCare. LoanCare is the company which should have sent us the funds that were held in escrow for taxes and insurance. We finally received a check from them today, XXXX XXXX, 2016 but it is short {$46.00} from the amount shown on our last monthly statement. We are under the impression that escrow money is not something a company can just take any part of for themselves, but dedicated to payment of the homeowners ' taxes and insurance. Additionally, I ca n't imagine what they removed that amount of money for as they were well aware that they had purchased the loan on the first of XXXX, 2016. We have attached documents which clearly show what happened. Thanks, XXXX and 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 monetary relief
Consumer complaint received 2015-03-20
Company: Unique Management Services, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Law firm, Sprechman and XXXX, P/A. did cause to be delivered to complainant without explanation or cover letter, a Waiver of Claim of Exemption form, in an attempt to deceive complainant into waiving a right to claim exemption and request a hearing. Complainant answered with a Claim of Exemption Form. Law firm then filed a motion under oath, denying complainant 's claim of exemption. Complainant then provided law firm with Federal Tax Return, pay stuff, Social Security Benefits letter. 

Law firm continued to move forward and filed a claim with the XXXX XXXX XXXX XXXX, and complainant 's employer, XXXX XXXX XXXX XXXX XXXX. 

Consumer alleges Law Firm has flagrantly violated Fair Debt Collection Practices Act, 15, U.S.C., 1692 ( e ), A debt collector may not use " any false representations or deceptive means to collect or attempt to collect a debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from XXXX XXXX XXXX XXXX and the second one from JPMCB AUTO FINANCE ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Critical Resolution Mediation LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A collection agency named Critical Resolution Mediation LLC called me many times in XX/XX/XXXX to pay a debt that I owed. It came to the point that if I didnt pay back the debt that same day, they were going to sue me. We came to a settlement agreement for {$1200.00}. I payed this amount on XX/XX/XXXX. Today, XX/XX/XXXX, I found out that it was fraudulent and that I still owe this amount to the real creditor XXXX and XXXX XXXX. I also searched up Critical Resolution Mediation and found out that they were shut down by the FTC and is currently in court with the FTC. I tried disputing with my bank, but they werent able to do so because the transaction was over a year ago.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-05
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Western Union prepaid Netspend MasterCard. When I went to activate the card it would not let me activate it. I reached out to customer service who said that I was in eligible to have a card. When I inquired about the {$270.00} that was loaded onto the card I was told that I have to wait for a paper check. When I asked how long that would take she said it will be sent within 10 business days upon approval. She told me that I could call back tomorrow to see whether or not my refund was approved. This is my light bill money and I feel like Netspend stole {$270.00} for me. I dont understand why I have to be approved for a refund if the card cant be activated. This is basically theft

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 2022-06-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian and XXXX are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP

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 2022-11-05
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Wanted to pay an invoice through Paypal as a guest, but Paypal created an account without my specific authorization, and stored my credit card information without my authorization. 

Using this alleged service is very troublesome, confusing, and dishonest on the part of Paypal..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a victim of identity theft through cash app. Someone impersonated my friend on XXXX and scammed me {$900.00} on cash app as well as took over my XXXX and stole my identity. 

As soon as I realized what happen I put a fraud claim in work my bank- Bank of America and contacted the police for a police report. 

I followed up weekly to see the status of my claim as well as unfreeze my account everytime funds came in to withdrawal them and refeeeze my account to avoid any further funds being stolen. 

After about 2 weeks the bank told me they filed the wrong claim and needed to file another claim.

I was randomly checking my account one day and saw the claim was closed- no letter mailed to me- when I called they said I was at fault- when I once again explained the situation the said they were doing another claim, the previous person I spoke with never corrected the first claim. 

I am already 90 days in the process at this point, and trying to buy a house so this is more frustrating and I am told that the new case can take another 90 days. 

Meanwhile through all this I have been told conflicting information from various employees on the process of freezing abs unfreezing my account, come to find out my account is not being property notated- and this is how the fraud department handles things? They cant even get procedures straight, very alarming I submitted numerous complaints and ask that they be followed up on, never received a follow up. 

The initials fraud took place end of XX/XX/XXXX, last week once again I am looking at my account to find out they are now closing my case again with me at fault because the fraud happened through cash app- which was known the very first say the first claim was submitted, why Put me through over 3 months of waiting, and misinformation? 

They are now saying I am responsible for the {$900.00} taken from me and they will try and deduct the funds XX/XX/XXXX I am enraged with how horribly this was handled. And that my complaints were ignored, I work in banking and know this is unacceptable.

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 2022-06-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and Navy Federal CU and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Kind Regards XXXX XXXX

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 2022-06-05
Company: Southwest Stage Funding
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I file a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX I just wanted to let y'all know something i didn't realize till after I submitted my complaint. I apologize for that but really thought cfpb should know. My mortgage company XXXX XXXX sent me a transferred of my loan letter to new owner that now owns my loan on XX/XX/XXXX. But still told me to not send payment to new owner but to continue sending payments to XXXX XXXX. And then on XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX, is a debt collector trying to collect a debt from the previous owner of my mortgage loan XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will download what I have so you can see what I'm talking about. But it really seems that my mortgage company is sketchy. Something isn't right ever since XXXX XXXX supposedly took over my mortgage loan that I never received transfer of notice from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 applied to an apartment complex on or about XX/XX/XXXX and this complex utilizes TransUnion rental screening. I was told that I was denied because my score did not meet their requirements. I was told that the score that was being given to them was at least 40 points different from what I received when I pulled my credit report from XXXX XXXX. I was given a number to call so I could be given the next steps to verify the information on file was correct. I was told I needed to put it in writing what I am requesting and also submit a copy of my photo ID. My first initial request was XX/XX/XXXX and since that time I have been given the run around about why I have not received my report. I have been told that they did not receive the letter or the ID to they are working on my request to they have up to 30 days to provide me with what is contained in my report rental or otherwise. I continue to receive letters under the guise it is my consumer report stating that I need to submit a copy of my ID as well as a written statement of what I am requesting. I just want a copy of what was provided to this apartment complex because I know it is erroneous.

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 2016-02-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We recently got a home equity loan with BBVA Compass. On our first mortgage statement we were charged a {$320.00} appraisal fee. When we reviewed our HUD-1 statement we saw that that fee was to be paid by the lender in escrow. We called BBVA Compass and after an 45 minutes of transfers and hold time, we were able to get them to reverse the charge. My concern is that other people have been charged an appraisal fee after closing, and did n't know that they should n't have to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX and Transunion are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP

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 2022-06-05
Company: General Motors Financial Company, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I purchased a used XXXX XXXX from XXXX XXXX on XX/XX/21. The vehicle had SO MANY problems, that I had to bring it back within 2-3 days of the purchase! Within the first 30 days of signing the paperwork for the car, the dealership had the vehicle in the repair shop for 27 days!! I asked to cancel the sale and stated I would prefer another vehicle or go somewhere else! I was refused! I've only had this vehicle in my possession for 3 months and I've had to take it back to XXXX XXXX for oil to be added twice, plus I've had to put oil in it myself 3 times!! This vehicle leaks oil, and the drivetrain malfunction light comes on every time I get on the interstate and go over 60 miles per hour!! There isn't a warranty on this vehicle and they knew it had MAJOR issues before selling it!! I told them this vehicle was a LEMON and should not have been on the lot!! 

As a female, I feel I was taken advantage of and the General Manager has NOT returned any of my calls and replied to any of my emails!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion consumer reporting agency has been reporting inaccurate inquiries on my credit report, that has been causing me financial harm. They just recently deleted XXXX XXXX XXXX inquiries. Deletion is admitting that they wrong for furnishing inaccurate information. 
By law each violation is {$1000.00} dollars. I have included a copy of the deletion and a copy of an invoice pertaining to these violations.

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