BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent {$100.00} on XXXX website to my mom in XXXX as part of a recurring transfer. XXXX took the money out of checking account & sent me reference # XXXX as proof of transfer, but they never deposited the money into my moms mobile wallet. I reached out to the mobile wallet company & they sent me all transactions that came into my moms account from XX/XX/XXXX through XX/XX/XXXX. XXXX didnt submit the money to the mobile wallet company. When I called them they said there was a delay so I should give it a few days. I got an email from them saying that there was a problem with the transaction, but they will not refund me any money. I filed a case asking them to give me proof that they sent the money to the mobile wallet company including confirmation number so that my mom will take it to her mobile wallet company & withdraw the money. After waiting for 30 days, they told me that I need to open a different case. Ive opened a total of three cases, but they have not provided the proof that my mom will need to withdraw the money from her mobile wallet. Each time I call, they keep asking to open a new case to get the proof of payment, but they refused to provide the proof. This is just {$100.00}, but what if theyve done this to other people who have gotten frustrated & given up? I would like a refund or the money given to my mom since theyve already taken the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.

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 2023-09-14
Company: Nationwide Credit & Collection, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX ( visit on XX/XX/23 ) billed me for {$28.00} on XX/XX/23 which was paid on XX/XX/23. They then billed me on XX/XX/23 for {$77.00} but the total charges are {$430.00} and the total payments are {$430.00} which equals XXXX so how can I owe {$77.00}? You can not bill for an amount due when debits and credits net to XXXX. Called XXXX  on XX/XX/23 they assured me my account was XXXX and sent me an email. I got another bill dated XX/XX/23 with the same amount due. I called on XX/XX/23 and asked for a supervisor and was told no they could help me and said the account would be reviewed by special claims. Then on XX/XX/23 I received a collection letter from NCC Nationwide. I contacted them and they noted the account regarding the dispute. I called XXXX  again on XX/XX/23 and asked again for a supervisor and was told that they didn't have any. That has to be a lie. Call Centers have supervisors. I was told the account was fixed and pulled back from collection. I asked for a new bill showing the account had a XXXX due and was told I would get an email with the bill. I have not gotten an email and I also got a collection call. I consider what they are doing to be called surprise billing and I would think this is fraudulent. I want to know why this has not been caught in an audit. If this has happened to me it has to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing on behalf of my mother ( written consent attached ). On XX/XX/2022, my parents got an email from Chase notifying them that there was less than {$50.00} in their checking and savings account. After logging onto their account, they noticed several unauthorized transfers from their checking and savings accounts totaling more than {$23000.00} that occurred on that same day. They called Chase immediately and told them that did not initiate any of those transfers, and requested the bank to put a stop to it. Chase was unable to do so, and stated that the person who made those withdrawals must have had my mother 's personal information because they listed my mother as their co-signer. At the bare minimum, Chase should have flagged those withdrawals and asked my mom for confirmation if it was truly her making those transactions, but Chase allowed those withdrawals to occur without any notification other than their account holding less than {$50.00}. 

They then informed my parents that they can not refund any money until they investigate and that they will mail out the fraud paperwork for my parents to fill out. In the interim, my parents notified the FTC about the fraudulent activity. XXXX week later, my parents ' still haven't received any paper work, but the claims department stated that they mailed it out on XX/XX/XXXX. My parents went to XXXX different local branches asking for assistance and XXXX rep was able to pull up the paper work and fill it out. My parents then filed a police report on that same day ( XX/XX/XXXX ). They then received a letter in the mail from Chase ( which wasn't the fraud paperwork ) stating that the transactions were indeed authorized by my mother since her personal information was used as cosigner, but they neglected to tell us how they came about this conclusion or how they investigated all of this to deem my mother responsible, How this individual obtained her personal information is beyond us, as my parents don't engage in any suspicious calls, emails or texts. 

Under the Electronics Fund Transfers Act, individuals are not held responsible for any unauthorized electronic transfer as long as they notify the bank within 60 days. My parents notified Chase on the same day the incident took place. Chase not only neglected to notify my parents of the fraudulent withdrawals, but they failed to act on it promptly, and refuse to take responsibility for their negligence. My parents have taken all the required actions on their end, notifying the bank promptly, notifying the FTC, filing a police report, and filling out the required fraud paper work that Chase never even managed to mail to them. It is clear that Chase Bank should be held accountable for the funds that were fraudulently stolen from my parents account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 I received a phone from a woman named XXXX claiming she was from Associated Bank. I returned the call from the number XXXX. The recording says that it is associated bank and asked to state the nature of the call, I said it was a return call. I was connected with someone who said they couldn't tell me why I got the phone call unless I verified my information. I was at work and hung up and figured they were calling because my account balance was - {$240.00}. I called back again around XXXX the same day. Thinking this was the bank the woman on this call asked to verify my information. I ended up giving out my account number and the last 4 of my social. She then told me that there was no account and then asked for my ENTIRE social security number and at this point I stopped and did not give it out. I asked to be transferred to my bank and she stated she was not able to do that because she is from a different branch. I called my actual bank, told them what happened and made an appointment to go and have my account changed ( checking ) I called this company again because they claim if you return the call to them they can ask you to verify your information. However, the last call I made I had hung up, this gentleman called me back and I asked several people what the call I got was for were unable to tell me but somehow this man was able to figure out my account was overdrawn ( I never disclosed that information ) and called me back to tell me he was able to figure it out without verification then asked when I will be depositing money into the account. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 requested a refund for payments ( {$10000.00} ) made during XXXX on XX/XX/2022. I was informed that it would take 4-6 weeks for my balance to update and for a refund to be issued. I followed up on XX/XX/2022 and was informed that the request was approved and to continue to wait for the 4-6 week mark. It has nearly been 7 weeks and my balance has not been updated. 

I submitted a first CFPB complaint on XX/XX/2022, and received a response indicating that processing times had become 10-14 weeks.

It has now been over 14 weeks and I have seen no movement in the form of balance changes or refunds. 

I am requesting expedited or enhanced assistance with this particular request, as it seems it is not being processed adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Student Loan Financial Assistance
State: WA
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:
XX/XX/2019, I got a phone call from the Student Loan Financial Assistance program. They call themselves SLFA. They reported that I was liable for a student loan forgiveness plan due to income. They seemed super legit. They have a website, and they gave me a phone number to call. They already had all of my information, including my social security and my address. I didn't give them either of them. I figured the only way they could know that was if they were a real company working on my loan. I was advised that if I paid XXXX for 5 months, the rest of the year I would make XXXX $ payments. After the year my loan would be put on hold as long as I kept the same income for the 105 months it would take to pay it all off. After the year of paying XXXX for 5 months and XXXX for 7 months I would not be reliable to pay any other monthly payments towards my loan. XXXX was taken out of my account XX/XX/2019, then again XX/XX/2019. No other money was taken out so it seemed legit. I recently got a call from my loan office saying I hadn't paid my monthly dues since XXXX. I went to the " account '' I had with XXXX and it states that I have paid XXXX and owe them a late fee of XXXX XXXX I tried to call them for answers and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the fraudulent inquires and accounts deleted now and stop account from being active now : XXXX XXXX XXXX, XXXX XXXX, XXXX also please remove all consumer statement XXXX advised before they hold incorrect phone numbers my phone number is XXXX only, XXXX XXXX XXXX Is still on my file which is really hurting my credit from fraudulent activity I want it removed this an ongoing issue also my ssn is XXXX bank statement attached drivers license attached social security card attached as well and I been asked for a freeze this is why this is a continuous issue please help 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Porsche Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refilling this complaint to PORSCHE FINANCIAL SRVC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I was notified that the in-school deferment of both of my loans serviced by Navient would expire at different points in XXXX. I knew that this information was incorrect according to previously agreed upon terms of those loans, I was eligible for 48 months of in school deferment. In school deferment for both loans were first applied in XX/XX/XXXX and therefore should not expire until XX/XX/XXXX, without even considering a grace period. 

From XXXX to mid XXXX, I have contacted Navient in every means possible to try to update and correct this information. They have failed to do so. But over the course of several months, they have offered a variety of different reasons why they are unable to look further in this matter. Several times, I have been told that the reason for upcoming expiration is because in school deferment had been used under a previous loan provider. This is not true. So I have asked for evidence of their claim. They are not able to provide any. 

At one point, I requested the documents to them by the previous loan provider. They did send this to me. It is clear based on those documents that they have access to, that there was never in school deferement applied to the loans prior to the date that Navient started servicing the loans. They also, likely have access to the original promissory document that stated that I agreed and started paying back the loans immediately when they were disbursed the only other time that I was in school from XXXX to XXXX. 

For some reason, Navient is under the impression that when I was originally in school prior to XXXX, I had in school deferment applied to my account. I did not. Perhaps this is an human error that has happened somewhere over the years but since this has been pointed out nearly 90 days ago, Navient has been unwilling to rectify this issue. 

The documents that I attached are a portion of the batch of of files that Navient sent me. They are the previos lender account history. The months attached reflect the only other time that I was in school XXXX to XXXX and it is clear in these documents that I has being billed and paying my student loans. In school deferment was not applied to my account then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: GA
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:
Equifax announced a data breach that exposed the personal information of 147 million people. I am a victim of identity theft as a result of the Equifax data breach. 
This data breach has caused my information to be released on the dark web and is hindering me from moving forward with anything credit related ( i.e establishing new credit, buying a house/car, getting utility bills, etc ). My information was incorrectly used which is a violation of my fcra rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Professional Credit Service continues to call claiming a debt is owed but will not provide proof of debt after repeated requests from me. All they say is that they've sent a letter to my address, but I have not received anything from the company, nor have I ever received any validation of the debt. I have asked numerous times for them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Did a voluntary repossession on my vehicle and NEVER missed monthly agreed payments and have NEVER BEEN LATE. I've PAID OFF the settlement amount EARLY and they're REPORTING ME AS BEING LATE ... AND I'VE NEVER BEEN LATE and THEY'RE JUST REPORTING THAT I PAID OFF THE LOAN AMOUNT 3 MONTHS AGO and my credit report and fico score is DECLINING and this is my THIRD TIME TRYING TO CORRECT THIS ISSUE.

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 2023-06-27
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Capital Link Management, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Someone called me from a company called " Capital Link '' stating that they were attempting to collect a debt from a PayDay Loan ( that is from over 10 years ago ) and that I already paid off. The person on the phone stated that they had my social security number. She then asked if I could elaborate more to which I responded I don't need to elaborate anything with you. I have full access to my credit reports from all 3 bureaus. I have nothing in collections and excellent credit scores. The fact that they called to " collect '' a debt which I'm either way past the statue of limitations on here in CA or I have already paid sounds extremely fraudulent and misleading. They also sent me unauthorized text messages from the same company of which I never opted in to receive texts from as well as contacted my mother 's home line and spoke to her in a threatening manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I was sent in writing by the loan officer, XXXX XXXX XXXX, I didn't qualify for a mortgage due to residing in different states and overseas. That should have nothing to do with getting a mortgage. How does the military ever get a mortgage if that's the case? 


UW Comments : Borrower has not resided in one place of employment or residence for more than 6 mos a time. Resided in several states including 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