BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for 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 2022-09-03
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have disputed this medical collection before and it was removed, however now XXXX  months later it back on my credit as a collection in all three-credit bureau. I don't understand how or who this collection company DRS why do they have my personal information. they have called family relatives asking if i was there and they would not provide any information. FURTHERMOR, IN ACCORDANCE WITH THE FAIR CREDIT ACT PUBLIC LAW 91-506, TITLE VI SECTION 611, SUBSECTION A-D, I DEMAND THAT THE COLLECTION COMPANY PROVIDE ACTUAL PROOF THE INFORMATION WAS VERIFIED, NOT A COMPUTER-GENERATED CONFIRMATION. 

1 -- THE NAMES AND BUSINESS ADRESSES OF EACH INDIVISUAL WITH WHOM YOU VERIFIED THE INFORMATION WITH ABOVE, SO THAT I MAY FOLLOW UP.

2 -- DATE YOU CONTACTED THE INDIVISUAL FURNISHER 'S INFORMATION 3 -- THE METHOD OF COMUNICATION THEY USED TO VERIFY THE INFORMATION I WOULD ALSO LIKE TO KNOW IF THE FURNITURE PROVIDEDED YOU WITH MMY SSN, ADDRESS OR DATE OF BIRTH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: WI
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 Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called XXXX XXXX XXXX in XXXX to set up an appointment for some XXXX  symptoms. I was then called back by XXXX nurse who told me I needed to go to the emergency room, despite my belief that I was experiencing XXXX  symptoms. Acting on her orders, I visited XXXX Emergency Room in XXXX. I was checked in, examined, had my XXXX symptoms confirmed. Later I received one $ XXXX bill and another {$800.00} bill. Upon review of my charges, I noticed my visit had been coded as a level 5 ER visit -- the highest level of complexity a visit can be afforded. This is the same level someone is coded as when they go to the ER having a XXXX XXXX, and is the reason the $ XXXX bill is so unreasonably high. 

XXXX has been unwilling to reevaluate the level 5 coding. A simple XXXX XXXX  and some XXXX XXXX   do not merit these exorbitant charges, and could have been performed by my primary care physician, out of the ER ( as I originally intended ). A XXXX XXXX  averages around {$250.00} per XXXX, and XXXX   XXXX should be comparable. 

Because the ER visit was at the direction of a XXXX nurse, and occurred during an XXXX XXXX, I believe I am being taken advantage of and extorted for funds that are unreasonably high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Mr. Cooper Loan XXXX Complaint : Failure to adhere to U S Bankruptsy Court directives. Failure to provide the financial stability required by the bankruptsy Plan. Failure to apply funds according to Payor check directives. Failure to manage loan accounts in a responsible manner. Failure to distribute funds  accurately to Fannie Mae. Failure to manage suspense accounts in a responsible manner. Failure to make comprehensive corrections and adjustments when processing errors are present. Failure to follow Mr. Cooper issued account directives. Failure to follow the Fair Debt Collection Practices Act. 

The details to each of the above allegations are available upon request from the Payee when an Account Manager given the authority to process account changes is assigned to this loan case, and calls XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01
Company: AFNI INC.
State: IA
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:
We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, AXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2015-09-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good afternoon, my name is XXXX XXXX I have been banking with wells Fargo for about XXXX years. About XX/XX/2020 I wired money to have my car fixed to XXXX XXXX ( {$1000.00} ). Days later my account looks as if it had been compromised. For several days I received many calls from wells Fargo & I also did not have access to my account. I was required to visit branch to unlock my account. All of my money ( {$6000.00} ) had been snatched from my account. A false check was also deposited into a atm with my name misspelled & different signature. My account is now over drawn by {$1000.00}, I never received this debit card that was used for the transaction. My Wells Fargo banking is only conducted in the city of XXXX GA. I requested for wells Fargo to open my claim which had first been denied and check the IP addresses or the wire transfers. If you look at the screenshots below it looks as if XXXX individuals were attempting to sent money back & forth.

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 2022-09-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Regional Acquisition Group, Inc.
State: PA
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 account has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose

Company response to consumer: Untimely response
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2022-09-03
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail from XXXX and i called them and told them that i never open an account with them to purchase anything and they said that they will close the account and i told them someone else did this because i have XXXX and when someone try and use my name or address or email address and social security number i get an alert and i have a freeze on all my information so im not paying for something yall let happen to yall

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, THE XXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.

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 2016-02-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
the problem, loan depot authorized the power of attorney for my spouse. to sign for him., I was told, since they approved the POA XXXX HAD TO APPROVE ALSO. IF XXXX REFUSED THEY WOULD TAKE IT TO AN ATTORNEY.. I sent a signed XXXX loan approval 2 weeks ago,, since then I called two times to see what was going on, XXXX times, I was told, IT WAS IN PROCESS OF BEING SENT. I called yesterday to find out what was going on I called XXXX and XXXX, neither one called me back. they had my account for almost 4 months. today I receive a call, that they could not process my refinance, because, they did not approve my POWER of attorney.. my XXXX app never went to XXXX ONE MINUTE THEY APPROVE MY POA, NEXT TIME THEY SAY THEY DID NOT APPROVE IT. THAT is a violation of his rights. also taking al most 4 months to process, which they did n't. that is my complaint

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  account # : XXXX, XXXX credit card account # : XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  account # : XXXX, XXXX credit card account # : XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX ( a 3rd party debt collector ) continues to call my girlfriend ( on her mobile phone ) during work hours.The collection agency has been told more than 4 times to not call her. It has been made very clear that she has no relation to the accused debt. The collection company has shared that it is a an attempt to collect a debt with my girlfriend. The debt collector refuse to call me directly so i can dispute the charge, but calls my girlfriend repeatedly instead.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank charged a ridiculously amount ( over {$5000.00} ) from my mortgage escrow for home owner insurance, whereas my own policy is ~ {$500.00}. They didn't attempt to reach me via the proper communication channels, such as emails or phone calls. We were out of town for a few months so just got to catch up with the mail they sent. 

What's worse, it's impossible to contact the custom service. They listed ( XXXX ) XXXX on https : //www.mycoverageinfo.com/chase website, but when I called, it's all automatic. The call doesn't provide me extra information than the website, there was no custom service ( pressed XXXX but it's not recognized ), it was extremely hard to navigate the selections and there was no way for me to figure the insurance requirements or have my questions answered. 

Overall, I think the Chase bank didn't do a good job to help someone who's new to their mortgage to XXXX ) understand the requirements and upload the insurance coverage evidences, XXXX ) get help from custom service. They would rather charge {$5000.00} from the escrow than trying to set the custom success and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation