BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of verification.

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 2022-11-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX number XXXX, I also a victim of Us bank XXXX  scam, and fraud. Us bank closed, and XXXX XXXX XXXX XXXX XXXX XXXX, Us bank business account number XXXX, Routing number XXXX, for $ XXXX XXXX XXXX  Us bank account XXXX XXXX proof attached. I've called Us bank XXXX  office on XX/XX/2022. I speak to the Customer service. Us bank customer service claim that I never had a Us bank business account number XXXX at their Us bank. Us bank XXXX  office have Robbed, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX out of $ XXXX XXXX XXXXXXXX and denying thaXXXX XXXX XXXX XXXX XXXX ever had a Us bank account XXXX in their bank.

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 2022-11-11
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to XXXX and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to XXXX  they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: LEXISNEXIS
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and XXXX and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have ask TRANSUNION XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # 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 2022-11-11
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today ( XX/XX/XXXX ) i attempted to use my card and it was declined. The server at the restaurant tried to use it XXXX and it kept declining. I paid with cash and called the bank ( FIRST NATIONAL BANK OF OMAHA ). 

I immediately called the bank the same day ( XX/XX/XXXX ) once we left the restaurant at XXXX XXXX XXXX @ XXXX After i called the bank, the representative notified XX/XX/XXXX that my credit card account was closed due to HIGH RISK. 

I have held this account for XXXX years, with not one late payment ever, not to mention on any of my credit cards/bills EVER. My credit is FLAWLESS. 

My family income combined is over $ XXXX, and we own multiple properties worth over {$1.00} XXXX each. I HAVE NO IDEA what is so HIGH RISK about me or my account? Is it because of where I live, is it because of my race/culture? I was given no explanation.

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 2021-07-26
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: FIRST PORTFOLIO SERVICING INC
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked this company to send me details about this collections account by email or mail but have received anything but multiple calls a day everyday even after I have asked them to stop. When I do return the call, they wont give me any information without an account number ( which I do not have ) but they expect me to verify personal information.

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 2021-07-26
Company: EQUIFAX, INC.
State: AZ
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 obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the CEO and PRESIDENT of XXXX XXXX XXXX XXXX XXXX number XXXX. I'm also a victim of Us bank Corporate Robbery, fraud, and scamming my company LA XXXX XXXX XXXX, Us bank business account XXXX, Routing number XXXX, $ XXXX Capital Funds. I called Us bank Corporate Office to speak to their customer support concerning my Us bank business account XXXX. Us bank said that I never had no Us bank business account XXXX exist at Us bank. This statement by Us bank customer support proves that Us bank Corporate office is misleading. Us bank business account XXXX XXXX attached. Us bank Corporate have taken over and Robbed our XXXX American business Capital which is illegal and criminal.

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 2022-11-11
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

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 2016-01-09
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company called me and demanded payment for something they could n't tell me what it was for. All they could tell me was that it was from XXXX XXXX XXXX so I called the hospital and XXXX different departments ( hospital billing dept, physician services, and XXXX ) within the hospital and each department said I did n't owe anything. I called the " debt collector '' back to try and find out if this was real or a scam because all they did was call and demand payment over the phone. I asked them all 3 times I spoke with them to please send me a bill in the mail. I 've given them my address each time and I still have n't received any written notice stating what this is for and I have no idea how to find out what I 'm paying for. I ca n't get them to work with me and I do n't want to pay something I do n't owe. I 'm NEVER late or delinquent on anything I owe!! I do n't even know what bill they are asking for!! I also called my insurance company and they have nothing on record that I owe. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A account was open on my name,, and fraud was on my account right after,, this happen since XXXX, and I can not open other bank account on my name, due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled in a credit card debt payoff program with XXXX XXXX and my Chase account was settled on XXXX/XXXX/XXXX. However, starting in late XXXX I have been getting calls from a debt collector for money still owed on this account. Additionally, my Chase account is showing up as " in collections '' on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-03-01
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Century Credit & Collections , LLC has continued to harass and threaten me with constant telephone calls. I was threatened with credit reporting that would adversely affect my credit. I have made multiple attempts to reconcile the account with a repayment plan. Century Credit & Collections , LLC refused to accept a payment plan I could afford. As a result, I was hung up on. These kinds of strong arm tactics are unacceptable, unprofessional and create emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase changed my email and mailing address information for my checking, saving, and credit card accounts without my authorization, without verifying my credentials, without my knowledge, or without notifying me. I have never lived at or been associated in anyway with the address Chase changed it to. Upon learning about the error, I corrected my contact information online and over the phone with a customer service representative. About ten business days later, I received mail from Chase informing me XXXX address change notifications have been sent to my incorrect and correct address. I called Chase customer service immediately for resolution. I learned their standard address change process includes XXXX automated mail notifications sent to the incorrect and correct address, their system takes 30 days to update the corrected information, and mail can continue to be sent to the incorrect address for up to 90 days. Their contact information update process is inefficient and more importantly does not protect personal/financial confidential information. Their process is a violation of information security. My personal banking information has been sent to an incorrect address without my knowledge, authorization, or notification of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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