BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. 
I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. 
I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. 
My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. 
This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. 
And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SYNCHRONY FINANCIAL
State: NY
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:
The terms and conditions on my Paypal Mastercard administered by Synchrony were changed from 0 % foreign transaction fees to 3 % foreign transaction fees, without my being notified of the change. This resulted in {$170.00} in fees being charged, which Synchrony were unwilling to waive when I became aware of this change. 

In addition, these fees are not shown anywhere on the activity page for the credit card - only at the bottom of the statement.

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 2017-07-23
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I continue to have issues with businesses in purchasing or in this case : 1. I opened a checking account online with XXXX XXXX Bank. I wanted to transfer a large deposit from my SunTrust Bank which I have had for over two years, except I did not have a routing number or checking account for XXXX XXXX so I caught a ride to a close XXXX XXXX to present a personal check by an XXXX driver. 
2. The younger male allegedly ordered some checks and deposited my personal check to the account that I apparently had on the debit card that I was sent. 
3. My SunTrust Bank denied to accept my two signatures on XX/XX/2020 except the new manager told me that she is new at my branch and that she said that my two signatures on the back and front did not appear to be similar even though my daughter has cashed checks presented and signed by me several times to include just recently. The manager had emailed me twice after a large deposit was made directly as usual from the federal government from XXXX and the VA except as I have stated this time the bank received a large amount, electronically as usual. XXXX XXXX asked me to come to the SunTrust branch but I explained to her that I am now in a wheelchair and that my hands suffer with XXXX XXXX so that I do not like to grasp anything. Most importantly I asked her to accept my license number seen at the other bank, I could give my SSN and she has my email address and physical address on record, but : 4. The second check larger amount was deducted from my SunTrust account leaving me with little so that I will not be able to pay my rent. 
5. The XXXX XXXX Bank has closed my two ( checking and savings ) accounts so that now I think that they asked me to open a second account so they can charge a {$12.00} fee and now they closed all of my accounts on XX/XX/2020. I was supposed to receive just {$4800.00} tomorrow and the rest, the largest amount on XX/XX/2020. I was asking why and I felt that the two or more employees took the large amount on purpose to ripe me off of the XXXX  figure amount or try to force me to go to the bank again, possible for nothing ; abuse and discrimination. 
6. I can not tell where my money is except that I know where it should be at 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
Consumer complaint received 2016-04-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though

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 2022-06-12
Company: Experian Information Solutions Inc.
State: NJ
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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 ( section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 ( they may only report crimes, not debts ) 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 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 2019-06-10
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
fraudulent accounts and inquiries were attributed to my credit file that I have No knowledge of, nor have I benefited from

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 2017-07-23
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In early in XXXX, I received a call from Kohls collections letting me know that I had an overdue payment due. I told the representative that I was surprised to hear this and I must have overlooked something. I have a perfect payment history with Kohls and all other creditors. I asked the woman on the phone that if I made a payment on that day, would it be reported to my credit score? She verified with a supervisor that as long as I made the payment on that day, it would not be reported to my credit score. I was relieved to hear this and gladly made the payment. When I checked my credit score a month later, I was shocked to see that Kohls had indeed reported it as a delinquent payment. I immediately called Kohls and spoke to another representative. I explained the situation and how the first rep assured me it wouldnt be reported. She then also checked with her supervisor and said that they would redact the negative credit report. I was relieved to hear this and was pleased Kohls was honoring what the first rep told me. Today, I received a letter in the mail telling me that they have decided not to honor what either rep told me and the negative credit reporting would stick. I immediately called in and spoke to a supervisor named XXXX and told him the story. He then says to me, Maam you know this is recorded call right? Well we have you on recording admitting that you missed a payment My complaint is this : I was lied to by the first representative when she said it wouldnt be reported to my credit. Then I was lied to AGAIN when I was told that it would redacted. But worst of all, your supervisor XXXX THREATENED me by saying you have on recording that I said I know I missed a payment. This is disgusting and insulting to a Consumer. My issue is not with your credit reporting practices. I understand the need for that to be consistent. However, it is deceptive to the customer to have representatives lie or provide false information to them. On the second call, the rep could have easily let me know there was a decision making process and I could expect to receive a decision in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have excellent credit and had this OLD secured credit card from capital one. I decicded to close it over two months ago. They assured me they would refund the secured payment of {$500.00}. Two months later it is still not refunded. Today I called and talked to Capital One ( call recorded for review if you need it ). They are saying that a refund will be issued in two more billing cycles because " the account was under investigation ''. There is nothing to investigate, there has been not transactions for over a year. They are just holding on to a secured deposit and this is a crime or in the least a fraud. I want this company investigated. I am releasing the audio recording to the media as well as filing complaints everyone including with the US Secret Service. Someone in management needs to competently respond to this. Regarding account ending in XXXX. As you can see in attached screenshot from their website it says it was refunded on XX/XX/09. I talked to XXXX on Fraud Protection and talked XXXX who refused his last name but gave an ID XXXX a manager at Capital One. He refused to discuss further as he said he can not authorize further recording of the call, yet he said they were recording call. What a joke of a company that is committing a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I had to cancel my XXXX XXXX XXXX Credit Card because this company started charging late fees, stating that I had not paid my payment on time, however, I had always paid this bill on the same time period since I had the card since XXXX, then I had to start paying card by sending certified mail. This did not end charges, so I discontinued my card. I did send letter of complaint to company regarding these mistakes, and they did refund my late charges. Now, however, on my XX/XX/XXXX statement they raised my interest rate from 11.99 % to 12.24 % with no prior warning, so I missed this increase on this statement. On my XX/XX/XXXX statement I caught the interest rate increase. Called XXXX  XXXX XXXX XXXX and spoke to customer rep who stated that they were allowed to increase my interest rate. I told rep I thought this may be illegal, as I could not understand how interest rate could be charged at different amount than what you paid at time you purchased the item in the past. This card is closed, and I have not used this card since XXXX. I am paying this card off and have never missed any payments on this card. Should my interest rate still be 11.99 %?

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 2017-07-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got Really sick and fell behind on my payments. I 'm about 2-3 months behind, made a payment, and they wo n't accept it. They intend to hold it, until I can get an additional XXXX By next month. How can they HOLD it? I know they want my house. There 's potentially XXXX in equity. They want it.

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 2017-07-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have tried repeatedly for 18 months to communicate with XXXX about the following : 1. Old information reappears or never goes away 2. Incomplete reporting 3. Incorrect credit score XXXX has made it increasingly difficult for consumers to get their records reported properly, get their records corrected or even to talk to someone with a dispute. I received an updated report and I am still unable to dispute anything because their automated system does not recognize their own XXXX reference number. I am exhausted and feel victimized by XXXX because I have been requesting correction for over a year and it is against the law for a credit reporting agency to cause a consumer distress. I have XXXX positive accounts that disappeared from XXXX and have since then been denied credit. This is costing me money on interest rates. If I freeze the account it still has not helped because agencies that use them still believe their false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: LEXISNEXIS
State: CA
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:
There are 3 tax liens showing on my XXXX Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via XXXX website on XX/XX/XXXX and XXXX sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Bread Financial Holdings, Inc.
State: CA
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:
I got a recent latter from Comenity Capital Bank c/o PayPal Credit so I received the later XX/XX/2017 that  I XXXX XXXX recently requested to open a PayPal account. Our records show that I requested to open an account or make a purchase using PayPal Credit payment on XX/XX/2017 so ... This is fraud and hucking my account ... I do n't open any account in this day or nor have a PayPal Credit Card ... That day this state that I am opening an account is not true due to we are on Vacation and not intending to have a reason to have a new credit card or PayPal. So XX/XX/2017 at around XXXX XXXX I contact the Company Comenity Capital Bank c/o PayPal so the costumer service put me on hold for few minutes and gave me to another costumer service who just ask about my complain and said nothing regarding how to resolve or help me but instead after I gave my reference number just said nothing and hang the phone so when I am trying to call again nobody is answering ... Be ware to this kind of Bank to all who sees my letter ... hope to hear from your answer ... Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation