BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to 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 explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: KY
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:
Hello, I am XXXX XXXX. I am making a complaint to Equifax in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Equifax is not reporting the account. I am disgruntled with Equifax 's professionalism as you stated you are not reporting XXXX XXXX, however it is still on my credit report per myEquifax. 

Again, this violates my rights and is against FCRA and FCDPA. 
Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 
I demand Equifax to update my credit report immediately and send proof of so via mail. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Specialized Collection Systems, Inc.
State: TX
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:
In 2019 I experienced a robbery where my purse was stolen with all of my credit cards money, birth certificate passport ID and Social Security was inside. A police report was filed and ultimately it appears there was identity theft as a result. I do not owe this debt and I AM not an individual who has done business with this company. I need your assistance in mediating the possible rectification of this error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX I purchased my XXXX Phantom XXXX XXXX XXXX from XXXX XXXX located at in XXXX NY. It was brought to my attention that Fifth Third Bank was the only bank willing to provide me with an auto loan at the time of purchase. I was concerned with the high 14.25 % interest rate. 
XXXX XXXX I was informed that the CFPB and DOJ are both bringing forward a class action Auto Lending discrimination suit against Fifth Third Bank. I followed protocal provided to me by the CFPB staff and made several attempts ( XXXX XXXX, XXXX XXXX & XXXX XXXX ) to resolve this matter with Fifth Third Bank which resulted in several staff members that there in no record of my auto loan in there system. I have provided my social security number, previous address etc ... and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: IL
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:
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: COAST PROFESSIONAL INC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a job application through my university ( XXXX XXXX University ) email account from a student email. The email pretended to be XXXX with an attached screenshot of what the job entitled ( I have the screenshot of what the job was that was included in the email. I will attach it below ). I took the job thinking it was real since the school let it slip through their security and there wasnt any warnings. The scammers emailed me a check of {$3500.00} and told me to deposit it into my account. When the money was available, they said I needed to go out and buy supplies for orphanages. Then they quickly changed that and said the orphanage did not want any outside help due to the pandemic and asked if I could XXXX the money instead. I Zelled {$3000.00} to one person and they told me to keep the extra {$500.00}. Then they sent me another check and asked me to do the same thing. This time they asked me to XXXX someone {$2000.00} and XXXX someone else {$1000.00}. Unfortunately, I fell for it and then realized it was a scam when they asked me to buy gift cards for them. I immediately cut them off and contacted XXXX and my bank who said they would file a claim. XXXX said there was nothing they could do and said I lost {$2000.00}. My bank ( Wells Fargo ) filed a claim and said it would take 10 days to let me know. 14 days went by and I heard nothing until I called them to ask about an update. Wells Fargo said my claim was denied, yet no one had emailed me or called me to let me know. I lost {$7000.00} that I never even had and no one helped me. My account was at- {$6500.00} for weeks. I have filed multiple claims and I have received nothing and no 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 explanation
Consumer complaint received 2016-03-14
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. 
They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-05-02
Company: Experian Information Solutions Inc.
State: NC
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've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.

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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am filing this complaint because XX/XX/XXXX refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Monterey Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need assistance with rectifying this incorrect balance removed and ultimately I've never done business with this company. Please mediate the situation in attempt to rectify it and get the incorrect data removed from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation