BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: CITIBANK, N.A.
State: CT
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:
On the date of XX/XX/2017 I logged on to check my credit as I do regularly. I noticed that my credit had dropped and there was a hard pull on my credit report. So I saw that CBNA was the company and did the pull on XXXX XXXX 2017. Well I called the company because I have n't taken out any credit cards or loans or even applied for anything. When I called the company I was referred to a different number who said they could help me better there. So I called the number the company had given me, and this number gave me another number that I need to call the company itself ( the very first number I called ) and that there is nothing they could do to help me and hung up. I decided to give the original number another call and said that unfortunately they do n't help these kinds of cases. The fact is I DID NOT REQUEST THIS INQUIRY.

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 2022-07-22
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Pinnacle Credit Services, LLC
State: FL
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:
Reaging {$210.00} XXXX XXXX Cell phone bill. Phone # XXXX. Contract XX/XX/XXXX. XXXX XXXX. Supposed to be removed XX/XX/XXXX. XXXX attempted to collect then sent to XXXX XXXX to collect. Have received collection notices after XX/XX/XXXX. Pinnacle has the debt now. Stated I opened account XX/XX/XXXX when I had current phone number XXXX and was with XXXX XXXX. Now for the past 2 years I am with XXXX with same number. I have requested verification/validation from Pinnacle through fax from XXXX XXXX with transmission verification. A week later I sent them the same documentation via Certified Mail by USPS. I received nothing. I have sent them old credit reports showing reflecting the XXXX debt and when it was supposed to drop off in XX/XX/XXXX, along with other collection notices showing the old phone number as an account number. The XXXX CRA 's have been contacted via certified mail reflecting my dispute request 3 times, and for the lack of verification/validation by Pinnacle. Their response is that the debt is mine. I have had XXXX once! I still have the phone. Its a analog phone. Not a smart phone as we have 15 years later. I have been trying to clear up my credit since XXXX XXXX. Under section 605 this outdated info should be noncollectable or be allowed on my credit report without physical creditor documentation from XXXX XXXX which I have been requesting but refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two tickets on XX/XX/XXXX for {$2200.00} in total on my Barclays card for travel on XXXX XXXX ( a/k/a XXXX ) for travel from the USA to XXXX scheduled to commerce on XX/XX/XXXX and returning XX/XX/XXXX. The flights were cancelled by the airline due to the COVID-19 crisis. I requested a refund from the airline and they are trying to force me into a travel voucher. Under a DOT directive, all passengers on flights that involve a US departure or arrival destination that were cancelled due to COVID-19 are entitled to a cash refund of their tickets ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund ). I have tried to enforce my rights through this DOT decision and Barclays has refused to help. I therefore believe they are violating federal law for not facilitating my dispute with the merchant, who has now filed Chapter XXXX bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card number was stolen, and there was a charge for XXXX put on my card. I immediately noticed it and called my credit card company to cancel the charge - the same day - and put a stop on my credit card so no other purchases could be made. It was stopped and I was immediately reimbursed - however, a shipment of clothes was delivered to my house. They arrived a week later - none of the clothes were obviously in my size because I did not order the clothes. My only guess is that the person who ordered the clothes wanted to steal them off of my porch or I read about some scam where people send them to an address and then have fed ex pick up the package and send it to their house. 
But because they were sent to my house the credit card company and XXXX won't refund me. I showed them that on the billing sheet there was an email address that was not my own and a phone number that was not my own. I have never worn the items, they are untouched with tags still on. I know have XXXX worth of XXXX clothes that I cant even fit into or wear that I never purchased! I took all the right actions, and contacted my credit card immediately but am still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: WI
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 have been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RE ; Fay Servicing LLC-Loan Account # XXXX To whom it may concern, I just received the following letter from Fay Servicing and i am really upset with all the misleading information that XXXX XXXX is providing us. 
Over a year ago i requested for help under the XXXX Short Sale Program due to my hardship, As of XXXX 2015 my realtor finally got an approval on the XXXX Short Sale however the buyer was not able to get prequalified due to his income. The same month XXXX XXXX told me that my realtor was not acting in good faith and therefore if i want them to review my XXXX Short Sale i will have to look for another Realtor. 
So i did like XXXX XXXX from Fay Servicing told, i went and got a new Realtor. Now the new Realtor XXXX has been working on the account since XXXX XXXX as of XXXX/XXXX/15 Fay Servicing LLC/ XXXX XXXX stated that they issued an approval however the approval was received until XXXX/XXXX/XXXX giving us less than 10 days to close. At that moment my realtor told me it was n't enough time to close and he will be requesting for at least 10 more days to get the escrow finally done. 
Since then XXXX XXXX XXXX refuses to answer my realtor 's calls or emails, we requested for her manager and XXXX License Number and now she does n't even answer our calls. After 3 months trying to get a manager we finally got transfer to XXXX XXXX ( Senior Vice President ) who stated he will not issue the extension or any review because of my background. 
I am starting to believe that XXXX are trying to manipulate and take away my home. I dont know what to do now, please Im begin for your help. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: IL
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:
Please see the following accounts appearing on my credit file by XXXX, XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.

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