BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
transunion reinserted fraud accounts removed in credit dispute without 5 day notice they are not mine illegal fraud accounts opened illegally by criminal i sent them identity theft report and they removed then reinserted with out 5 day notice illegal activty by transunion

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 2021-04-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have initiated a legal complaint with my former lenders ( XXXX Mortgage XXXX and PennyMac Loan Services , LLC ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so, plus every time I said I was going to, PennyMac would suddenly seem more amiable. I was giving them the benefit of the doubt on those occasions. 

The essence of my complaint include a minimum of : - 14 violations of T.C.A. XXXX ( a ) - 3 violations of T.C.A. XXXX ( b ) ( 12 ) - 3 violations of T.C.A. XXXX ( b ) ( 13 ) - 4 violations of T.C.A. XXXX ( c ) ( 1 ) - 3 instances of actual or constructive fraud - an additional instance of actual fraud - fraudulent concealment - 3 breaches of contract ( T.C.A. XXXX ) - just found the 3rd one last week - 17 months of conduct that culminated in I.I.E.D. See Doc. No. 1-2 I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a 5-page summation under the section labeled " BACKGROUND. '' It looks like your system will allow me to attach all exhibits associated with the background section of the Motion to Remand. If for some reason you don't receive them all or need the other exhibits, please feel free to reach out to me for them. I can email them to you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband XXXX XXXX XXXX XXXX XXXX after a two year battle with  XXXX. I have a joint tenancy with my husband. I believe my husband got a loan and the loan was paid off. I spoke with XXXX account manager and he indicated that the XXXX loan was paid off. Somebody else named XXXX XXXX applied for a loan and used my house as security. The tax statements from Wells Fargo names XXXX XXXX as the borrower. I am paying the mortgage payments for seven years for money I never borrowed and my husband never borrowed. XXXX XXXX 's husband took the identity of my husband and was using my husband 's E-signature to get loans. Please help me. Wells Fargo is very involved with this fraud and I am here paying for someone else.

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 2020-07-23
Company: General Motors Financial Company, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have paid off auto loan amount in full on XXXX2020 to gm financial and the amount should be XXXX .. is still said in credit report ( XXXX ) and I have the approval for that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to send {$680.00} to my cousin in XXXX on XX/XX/XXXX but the transaction was denied at the MoneyGram agent in XXXX, GA, no explanation was given why it is denied. I went back to the same location on XX/XX/XXXX to send same amount but again the transaction was denied. Then I decided to send the money through my wife on XX/XX/XXXX and this time the money was transferred to XXXX but the recipient was declined to receive the money and was told that this transaction was cancelled at the other side. ( Reference No : XXXX ). 
I started sending the money to two countries, XXXX and XXXX using Moneygram since XXXX and transferred money to the same recipient 5 times. In almost 4 year, the amount transferred was within the transfer limit. In one other instance, the transaction of {$100.00} was denied onXX/XX/XXXX and later on it was transferred the next day. My question is this : why the same recipient received 5 times money and denied this time ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) I feel Moneygram violated compliance with the Remittance Transfer Rule and failed to provide a clear and detailed information, showing a globally nontrusted foreign exchange service with no fair treatment shown. Their customer service is very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: FBC MORTGAGE, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
FBC Mortgage ( serviced through XXXX ) is taking my home away through a foreclosure sale on XX/XX/2019, even though they have failed to review my loan for retention options. I am a XXXX veteran on a fixed income who fell behind on my mortgage when I lost some of my benefits. When I contacted FBC Mortgage/XXXX, they said there was nothing I could do except to pay the full past due amount. This is impossible and I thought that they had to help me keep my home. They are short and rude with me on the phone and there isnt anything I can do to change their minds. I have never had a single point of contact and I need some help with them to stop the sale date and initiate a review for mortgage assistance. I did not survive my combat tours in XXXX to become a homeless veteran. I am hoping your agency can help turn things around and get them to work with me instead of taking my home away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX had a prior collection account with XXXX XXXX XXXX for attorney fees that was then transferred to XXXX XXXX XXXX. Payment arrangements had been set up with XXXX XXXX including an agreement to hold interest. The account was then sold, when the original debt collection agency went out of business, without our knowledge. We had no idea who XXXX XXXX XXXX was or that they had assumed responsibility for the debt. Prior to their communications, a check in the amount of {$1000.00} was sent to and cashed by XXXX XXXX XXXX. 

XXXX XXXX XXXX has now contacted us on multiple occasions. Their most recent communications include contacting XXXX XXXX at XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and three times on XX/XX/XXXX. During each of these phone calls and voice mails they failed to notify us that this was an attempt to collect a debt. When returning their call to learn more about why they were contacting us, we became aware that an additional {$600.00} had been added on in " interest and fees ''. The gentleman on the phone stated he was " doing us a favor '' by applying our {$1000.00} payment to principal. We asked for an explanation regarding how the additional fees had been assessed stating that they could not just add fees without justification. The gentleman on the phone at that time stated " Actually we can and we will ''. We asked XXXX XXXX XXXX how we could arrange to pay on the account, what they were willing to do to work with us, and were told that we would have to make them an offer, then they would decide if they would accept. 

They failed to notify us in writing of the debt until XX/XX/XXXX. Further, on their statement they allege that the last payment received was XX/XX/XXXX although multiple payments have been made since XX/XX/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 2019-02-26
Company: URS Holding, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX  directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten XXXX to look at a settlement agreement and showed the the person Bank of America claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling XXXX that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in Bank of Amercas story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in Bank of Americas claim and removed them on their own and have not allowed their info back on my report.

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 2021-05-20
Company: EQUIFAX, 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:
I disputed a medical collection with XXXX that was reporting on XXXX  and Equifax and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello this is a feature of my American Express Serve debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by XXXX multiple times, a feature of the Serve  XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the Serve  limits described on the serve.com website, and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with American Express Serve and attempted the Cash Pickup feature many times in multiple browsers and devices. I attempted to do a bank transfer from my Serve account with XXXX, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from XXXX or Serve  customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been trying to work with paypal on my identity theft. XX/XX/XXXX, I was contacted by someone who stated they purchased shoes from a website, and was sent a receipt with my name, and information as the " seller ''. I looked more into it, contacted paypal, and found out that someone else had a paypal account using my social security number, name, phone number. This person so far has scammed 9 people that I know of, each of them have contacted me with very similar stories- they went on a website to purchase, and got a paypal receipt stating my name as the seller. 

When i first spoke to paypal, they told me to have the victims of the scam to file a dispute with paypal, and they told me they would start a ticket for the issue. 

I called two days later to find out no ticket was started for me, and funds were still going into the account, which now at this point had almost XXXX in there. It took them 5 calls from me for them to actually put a hold on the account. 

as of XX/XX/XXXX, the account is still open, they havent taken the inititive to close the account, and i have been contacted by 3 of the people that were scammed and they said paypal denied their disputes.

Paypal is not doing things right. These people got scammed, and I sent them the FTC and police report to show proof, and they are still denying claims against fraud. I have spent much time on the phone with paypal, i have gotten hung up on many times. This company is taking advantage of this situation, and it is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: PA
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:
No consent was given by me to furnish anything on my Consumer report. No Consent is Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX XXXX Bank allowed someone to take a credit card out in my name without even a form signed. The person lived at my address ( family member ). 

This case has been to court, where it ruled in my favour against the debt collector the account went to, and was removed from my credit report. However a year later this still negatively affects my credit report by showing this XXXX XXXX Account I'm not responsible for.

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 2021-04-09
Company: EQUIFAX, INC.
State: CA
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 am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My father passed away on XXXX. I have called Kia Finance 10 times spoken to 20 people and faxed the death certificate 6 times. Kia will not accept the return of the deceased 's car. Kia keeps telling me that they never received the paperwork although it has been sent 6 times. This is an attempt to continue to accrue fees and frustrate the return of the vehicle.

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