BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Recently my mom asked me to purchase her home as she was moving in with my sister ( XXXX  ). Keeping the home in the family was her wish so we agreed on these terms : sale price was $ XXXX, of which she would get $ XXXX, my wife and I were to get $ XXXX to clear debt and accomodate new loan. I went through Loan Depot as a 2nd time customer and clearly explained these terms to him repeatedly over the course of 7 weeks. He replied back on XX/XX/XXXX, in a very condescending manner that he explained to me " many many many times I was getting what I want ''. Still have the email. 
Three days before closing I get an email from him ( XXXX XXXX ) to the affect of " wait, we can't do that, it's against the law '' " you can't get cash out on a purchase '' etc. I don't pretend to know their industry, I made a request and was told repeatedly it could be done. 
In addition to this, at the closing, we found out that we're paying mortgage insurance to the tune of {$100.00} a month. On my mom 's home, at a severely discounted price ( $ XXXX was agreed upon, and it appraised at $ 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 2022-03-16
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Struggling to make payment. i have had loss of income due to covid-19. i reach out to Mid America mortgage for a forbearance or payment plan and the rep dismissed me and told me they are going to foreclose and i will not be approved. I also sent in a request for mortgage assistance detailing hardship and still no payment plan forbearance. predatory servicer focused on foreclosing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had XXXX XXXX over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and XXXX half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me

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 2018-05-31
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: Personal information incorrect

Complaint:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review. 
My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following addresses : 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 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call in XXXX of 2015 from a person who said they were calling from a hospital I had visited several months earlier. They stated that I had a late bill, and since I had recently moved I figured it had been lost in the mail, so I paid the amount ( around {$300.00} ) right on the spot. I later found out that it was a collection agency and not the hospital that had called me. I contacted the hospital I had visited and they said all of my accounts had been paid in full and on time, and that they don't even deal with this collection agency that had contacted me. I contacted the collection agency again ( Transworld Systems ) and eventually they gave me the contact for the XXXX  company  they got the account from ( XXXX XXXX XXXX ) I contacted them and with the information i received from Transworld Systems the XXXX  company said they had no record of me ever being in their system. 

So, the hospital says that I never paid anything late, the XXXX  company has no record of me in their system, but Transworld Systems stil says that this is mine, but when I call them they can't verify anything they tell me. 

I have disputed this account with all 3 credit bureaus multiple times and provided them with documentation backing everything I have said here and yet Transworld Systems still claims this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Complaint #  XXXX  - I have not received any documents from my request of  XXXX   XXXX ,    2017  this is an QWR and Debt Validation request sent to  : OCWEN Loan  Servicing, LLc and  XXXX   XXXX   XXXX .     No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now.     Complaint #  XXXX  - No answer yet to my question. This has been over 1 month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has placed an account with a collections company stating that I owe a balance of {$670.00}. CBCS is reporting this debt from XXXX XXXX XXXX XXXX to my credit report. This collection agency is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I saw an a d on Facebook  stating you could sign up for a membership at  XXXX    XXXX   XXXX   for just {$1.00} down. I 'd always wanted to join but the start up fees had always been ridiculously high. I called the  XXXX  location Saturday  XXXX   XXXX , and spoke to a gentleman named "  XXXX  '' who pumped me up and made me even more excited to finally join my dream gym. I asked him when my first payment would be due - he said  XXXX   XXXX  ( later when I spoke to  XXXX  at  ABC Financial I  cited  XXXX   XXXX  but going back in my bank account, remembering when I signed up I realized it was the  XXXX  ). Fast forward to  XXXX   XXXX  and I get a notification from my bank saying my card was declined for {$35.00} at  XXXX    XXXX   XXXX  . Admittedly, I should have contacted them then, but since I knew I would n't have any money I did n't worry about it. Fast forward to Friday,  XXXX   XXXX  - I get a notification that  XXXX  has been removed from my account by  XXXX    XXXX   XXXX  . I was furious because it was an unexpected expense that left me with only  XXXX  dollars. I called  XXXX    XXXX   XXXX   and spoke with a young woman named  XXXX  and told her I wanted to cancel my membership because of the charge. She apologized and told me that  ABC Financial  handles that, then proceeded to give me their phone number. I spoke to a woman named  XXXX  who said that because I only paid the {$1.00} down my first payment was due within that month. I said I was never told that and she said it was on the contract. A contract I had never had the opportunity to go and sign. She also said it was sent via email, but I 'd never received  one. So n ot only had I not even signed a contract, I had no idea that I 'd be charged.  XXXX  fee plus a late fee.  XXXX  then proceeded to tell me the only way I could cancel my membership is with a {$100.00} dollar buyout. Before she could finish, I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear Sirs, On XXXX XXXX 2017, I sold a XXXX to XXXX XXXX. XXXX XXXX paid via her business account XXXX XXXX XXXX XXXX XXXX, XXXX. <P/>XXXX XXXX then sent me several harassing e-mails advising she was having problems with the phone and was refunded {$75.00} on XXXX XXXX, 2017. <P/><P/>She sent the following e-mail : From : XXXX To : XXXX Sent : XX/XX/XXXX17 XXXX XXXX, I will return the phone back to you in it 's original packing on tomorrow. <P/>Thank you for the FULL refund. <P/>In the future, you should advertise the phone with pictures of the screen on. You never showed photos of the XXXX screen turned on which made me realized that you probably was not the original owner,, I will send you the tracking information asap! <P/>I waited and contacted XXXX on XXXX XXXX 2017, and they advised XXXX XXXX has stated she is keeping the refund and the phone and that I needed to contact Paypal as this is fraud. <P/>I then filed a criminal fraud report with the XXXX Police Department Case # XXXX, they can be reached at XXXX Police Records. <P/>At this point, I have been contact with Paypal on 5 separate occasions, and they have refused to issue any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card compromised and unauthorized ATM pin transactions were made starting onXX/XX/XXXX. We were notified onXX/XX/XXXX of a suspicious transaction and I called the same day to report the fraud. US Bank paperwork received and returned onXX/XX/XXXX. Called US Bank onXX/XX/XXXX to follow up and was told the " claim was denied '' because they " had me on camera '', which is false. This is {$2400.00} of MY MONEY that the bank in my opinion has stolen. <P/>Invalid transactions were :XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$480.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$500.00}XX/XX/XXXXXXXX XXXX ( see above ) {$500.00} For the record TWO different US Bank cards ( a XXXX and a debit card ) were compromised within a week of each other. The two cards ARE NEVER used in the same places. In my opinion, this is an " inside job '' and US Bank is involved in the 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 monetary relief
Consumer complaint received 2019-12-10
Company: Rocket Mortgage, LLC
State: MT
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:
Quicken Loans has been harassing me about taking out a mortgage loan. I have told them no. Without my approval they pulled a credit report and actually created forms. I simply got an email telling me my paperwork was ready to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: IN
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:
I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021

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 2017-06-04
Company: AES/PHEAA
State: NY
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:
I am currently on the PAYE ( Pay as you Earn ) Plan through FedLoan Servicing ( PHEAA ). I was emailed information to recertify my plan and began the steps to do that. A few days after submitting my materials, I received an email that my application was incomplete ( received email on XXXX ). That same day I received an email that I had a direct debit payment of almost twice my normal payment scheduled to come out on XXXX. I immediately went to the website to see what was going on. On my main page it was listed that my payment due on XXXX was {$0.00}, but that a direct debit for {$180.00} was scheduled to be taken out. I had never scheduled more than {$100.00}. As I was on the website, I kept running into errors and it kept booting me off. I went through my paperless inbox, where I received yet again DIFFERENT information ( that a payment of {$160.00} would be taken out on XXXX/XXXX/17 ). I called up the customer service hotline and spoke with a representative that same day because I was getting frustrated and worried about the security of my information on their website. The customer service representative tried to be helpful and recommended we suspend the next direct debit, even though she believed it was just a technical glitch on the website and that money would not be withdrawn from my account. She told me that they were having a lot of technical issues on their website and did n't know what else to do, she was sorry for the inconvenience, etc, but that they had a lot of problems. She also reassured me that my application for recertification was complete. At the end of our conversation she assured me I would receive an email specifying that my direct debit suspension had gone through within 2 days, and another email that my recertification was processed before the XXXX. Today ( XXXX ) I had still not received confirmation and so I went onto the website yet again. This time, I was slated to have a {$100.00} direct debit on XXXX. Yet again, while trying to navigate their portal, I encountered several errors and was booted 4 times within 15 minutes. I was finally able to cancel the direct debit through the site and received an email seconds later confirming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.

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 2019-12-10
Company: EQUIFAX, INC.
State: WI
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 REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Credit Collection Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation