BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
on XX/XX/22 I purchased a money order from western union at a XXXX for {$300.00}. I accidentally endorsed it in the back instead of signing on the purchasers signature line. I called and the money order was traced and confirmed which is what the website advised to do even though I was clear with the agent on the phone that the money order was in my possession I just wanted to get my money back and need guidance on the process. They advised to go online and file a refund request form which I did and sent all proof needed. it stated I should get a follow up within 30 days ... its now been over 3 months and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled phone service with XXXX XXXX on XX/XX/XXXX and the account was closed. I received a letter dated XX/XX/XXXX stating that they had not received payment for {$140.00}. I paid the amount of {$140.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. dated XX/XX/XXXX regarding Account # XXXX in reference to XXXX XXXX  account # XXXX. They are asking for {$140.00} and giving me to XX/XX/XXXX to dispute the letter. The full amount owed to XXXX XXXX  was PAID IN FULL and this IS NOT a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX. 
Company Inquiries XXXX 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
Consumer complaint received 2019-03-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
My complaint is with the Navy Federal Credit Union. They are charging my credit card account with cash advance fees and high interest on the cash advance when there are no cash advances from my credit card. I have talked to an agent and tried to solve this problem but to no avail. Please help me solve this problem with my credit union. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.

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 2020-05-28
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Transunion multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/19, I initiated a balance transfer of {$1000.00} from my Chase credit card to my XXXX XXXX card. I paid a {$40.00} fee to initiate the transfer. XXXX XXXX received and deposited the transfer on XX/XX/19, but the check from XXXX XXXX XXXX was returned on the same date, due to insufficient funds. I incurred a {$27.00} fee and a major increase on my rate for the next six months. 

On XX/XX/19, Chase sent me a letter stating that XXXX XXXX had received the balance transfer payment on XX/XX/19 and it had been applied to my account. Once again, the only payment from Chase was on XX/XX/19, and was returned. 

I wrote Chase a letter on XX/XX/19, explaining that the check was returned and provided copies of my statement showing the returned transaction. I received yet another letter on XX/XX/19 from Chase stating that the payment was applied to my XXXX XXXX ... completely disregarding what I had sent. 

It is now XX/XX/19 and my Chase account has still not been credited back the {$1000.00} and {$40.00} balance transfer fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02
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: Their investigation did not fix an error on your report

Complaint:
I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations

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 2017-09-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2020-05-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm filing a complaint on National Credit Systems XXXX XXXX XXXX XXXX   XXXX, XXXX GA XXXX. 
After receiving a notice from National credit systems about owing them {$170.00} I contacted them by mail to informed them the debt did not belong to me and it was a result of identity theft. I contacted the credit bureaus ( XXXX and XXXX ) to report the matter after waiting for over 6 months I was told the item was verified with no supporting documents. I contacted them again and was advised to contact the federal trade commission. once I contacted the federal trade commission I was referred to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I WENT TO APPLY FOR A NEW APT . TODAY AND FOUND OUT I CAN NOT MOVE INTO ANY APT . BECAUSE I WAS IN DEBT COLLECTION FOUR YEARS AGO WITH HUNTER WARFIELD AND IT WAS PAID XXXX XXXX  2014 IT WAS NEVER SENT IN TO BE TAKEN OFF MY CREDIT HISTORY. I WAS LIVING AT XXXX XXXX WHEN THIS TOOK PLACE AND IT WAS A MISTAKE AND IT WAS PAID FOR. PLEASE CHECK INTO THIS MATTER SO I MAY MOVE FORWARD. THANKS

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN continues to refuse to delete an old XXXX XXXX  account opened in XX/XX/XXXX and closed in XX/XX/XXXX. This account was from a divorce dispute with my former spouse and is old, outdated information.

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 2023-02-07
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-07-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the Covid situation has taken over our lives I contacted Ally who is where my car loan is through. We explained our plate loss of jobs loss of income loss of life.When contacting Ally they were willing to help us. Many months later the situation has not changed so which changed with their help they no longer are willing to help during this crisis situation. What recourse are do we have??

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 2020-05-28
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to connect my PNC bank business checking account to another service via the Plaid system. Please inform PNC that consumers should be able to share their information as they please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Personal information incorrect

Complaint:
I have sent numerous requests to XXXX XXXX, and Transunion regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX - XXXX XXXX XXXXXXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2018-08-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage on XX/XX/2021 and still have not received our Escrow that is due back to us as of XX/XX/2021 from Guaranteed Rate. We have contacted several people at the Mortgage company several times over the past two weeks and no action has been taken to get this resolved. I have sent a formal complaint to the company involved today and there only response is that it will take another 5-7 days plus shipping time for us to received our money. I do believe that this Mortgage Company, has 20 business days to refund our Escrow. We have made calls, sent texts, and now emails, of which I have full record, of asking about this and we keep getting the runaround and told to keep waiting. We have phone records to show our first time calling about this problem was XX/XX/2021. We have continued to inquire via phone, text, and email since then. Given the consequences we would surely face if one of our mortgage payment was delayed like this, they would not afford us an ounce of patience. I expect them to be held to the same standard.

Company response to consumer: Closed with explanation