BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
This complaint is in conjunction with a XXXX  XXXX XXXX complaint filed this morning. I got locked out of my account, XXXX so Im using a different email address to file this complaint. The consumer finance complaint filed this morning is complaint number XXXX My mother, Miss XXXX XXXX, purchased four {$500.00} money orders at a XXXX Pennsylvania XXXX store on XX/XX/2019. 

Ive deposited the money orders into my XXXX XXXXXXXX XXXX ATM on Saturday, XX/XX/XXXX. I have transaction number XXXX, XX/XX/XXXX @ XXXX. Cashier. XXXX, STORE # XXXX I found receipts dear, numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and XXXX each for {$500.00}. Please see the attachments. 

XXXX XXXX XXXX deposited the money into my account without a hold and posted a note into my business checking account stating that the monies would be available To cover pending any transactions on XX/XX/2019.

This morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX  XXXX XXXX representative I spoke to you this morning this morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX XXXXXXXX XXXX representative I spoke to you this morning. 

I was charged to bank fees in the amount of {$35.00} each and business transactions were declined. I attempted to call back at XXXX this morning to speak to a different representative to see if they could be escalated and to provide them with the money gram serial numbers. They refused to assist me!!! 

These money orders totaling {$2000.00} or an official investment in my business by my mother. My account is now overdrawn approximately {$70.00} and counting as transactions come in. 

According to XXXX XXXX XXXX, they reached out to Moneygram yesterday during business hours and they were unable to verify these four money orders. 

XXXX XXXX XXXX is a federally insured institution and should have honor their note inside my account. Furthermore money gram is a large money order institution and should not take several days to verify their legal tender document! 

I would like the aforementioned money orders to be verified before XXXX XXXX today before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 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 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 2019-12-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Called Equifax 3 times to try and unfreeze my credit after we were unsuccessful on their website, as requested by our mortgage broker. Equifax, after 30+ minutes on an automated system, then said that their system is down and they can not provide me any assistance or help in any way for at least 24 hours. Given that this company has access to hundreds of millions of US citizens personal information, it is unacceptable for them to put so many people at a total standstill. Contacted beginning on Thursday, XX/XX/2019 thru Sunday, XX/XX/2019. Their inability to assist people with credit freezes, unfreezes, as well as other pertinent information is a hindrance to peoples lives. After they were involved in a 100+ million breach of personal information they should not be allowed to continue to monitor such vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FRAUD. CREDIT CARD WAS OPENED FRAUDULENTLY. I NEVER APPLIED FOR THIS CARD. CARD WAS OPEN UNDER MY NAME AND I DID NOT OPEN THIS CARD. THIS IS FRAUD. PLEASE REMOVE OFF OF ALL CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DISPUTE # 1 Rent Debt of {$500.00} attempted to be collected twice. One account of {$500.00} on my credit ( XXXX XXXX ) and on my fiancs credit ( XXXX XXXX ) statement received 1 )  does NOT have my name on it and 2 ) Reflects ONLY {$500.00} owed TOTAL. I am disputing that 1 ) I do not owe {$500.00} bc my name is not on the move-out statement that documents the {$500.00} and 2 ) I am disputing that we should have been charged a combined {$1000.00} from this company when the document provided to each of us only details a total of {$500.00}. 
**The paperwork from this Rent Debt was sent/mailed to the apartment that we owed debt on in XXXX XXXX name. How does that make since? How could I have received the paper work to dispute this when it was clearly sent to a address We/he didnt live at. Yet the same paperwork he received was mailed to a different address a very old address for me, the address belonging to the person in dispute # 2. Where this company is trying to charge us each the {$500.00} when the paperwork doesnt reflect that. 

DISPUTE # 2 Rent Debt of {$1200.00} attempted to be collected from myself ( XXXX XXXX ) with the name of XXXX XXXX on the move-out statement. My name was taken OFF the lease of this apartment in late XXXX of XXXX. Not only was my name taken off the lease the apartment manager agreed that she remembered doing my roommate release and the name of the person added in my place was XXXX XXXX. I am disputing this balance because I was not involved and my name isnt on the document. The paperwork for this debt was even sent to XXXX XXXX home yet the debt was put on me, someone who wasnt even on the lease during move out? ( Even then why wasnt the debt put on both applicants like what was attempted on dispute # 1 and on this debt I am not even involved in all debt was put on my credit? ) [ Also night I add that If I had owed the XXXX some dollars why would the manager of the complex in dispute # XXXX have rented to me again, they are both run/managed by the same person/company. Paperwork has been very messed up somewhere and if not cleared I will be getting a lawyer, not to settle but to further dispute ] I was listed only on this lease as a co-applicant because management told me I didnt meet the income requirements. ( still took my name off the lease before move out ) I do not give this company permission to contact me by phone. 
Last attempt to settle this without a lawyer** XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: CA
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:
Made a dispute with bank my card was used without my permission but they denied me my claim and denied to returnfunds My Claim number is XXXX They denied my claim

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 2019-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/2019 there was an account open with my name. I did not authorized to have this account open by me personally. It wasnt up until several months later that i was getting notifications that i owed money to this account. The amount right now is XXXX.d I tried contacting with the credit card company to resolve this issue because it was affecting my credit score in a negative way. The credit card company told me that there was nothing fraudulent about the account and that it was going to stay in my credit report which i thought was not the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX, I was going to going to get a upgrade. They came back within 24 hrs and took everything back because it interfered with my pacemaker. The XXXX XXXX XXXX worker called and canceled everything while he was here.Then we called back again a few days later. However our billed was not canceled and was combined somehow, and continued on to bill us even though we had paid XXXX XXXX and had no equipment at all. We were told it was a error by a XXXX XXXX XXXX employee and was corrected. 
Then told it was a computer error and corrected. Over and over again I have requested a detail bill of what they are charging me far during that time and I get nothing.I had my tv service with XXXX XXXX and they were paid in full. Now they have destroyed my credit over a bill I dont owe. It has caused me and my husband great hardship. 
They even tried to give me a refund a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Resurgent Capital Services L.P.
State: MT
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:
On or about XX/XX/2019 I sent LVNV a certified letter requesting a validation of debt for two alleged accounts ( Reference ID # XXXX & # XXXX ) and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent LVNV a 2nd certified letter requesting validation of as of todays date they haven't granted my request. 

On or about XX/XX/2019 I received a letter from Resurgent Capital Services '' stating " Resurgent Services L.P. manages the above reference account for LVNV Funding LLC ''. " Resurgent Capital Services '' failed to provide any validation of debt. With this letter that I requested approximately two months ago from LVNV. There is no question that " Resurgent Capital Services '' is aware of my validation request done XX/XX/2019 & XX/XX/2019 and they also are denying me my request for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions 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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

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 2023-09-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been repaying Navient for over 30 years. This loan started when I was under XXXX and I am XXXX now. It cost just under {$9000.00} to pay the balance, which Navient now claims is over {$9000.00}. I told them that I didn't want to be in debt for the rest of my life and although {$9000.00} plus was more than I could afford to repay as a lump sum I would appreciate their considering a smaller amount so that I could put this behind me. They emailed me instead with instructions to repay over {$9000.00} within 10 days, claiming that was as long as the offer was good for. I feel like the federal government shouldn't be in league with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I found out my cards were closed. Once recovered email. I went on the account and could not find a letter. I try calling they said they could not tell me. I have to go to the bank. After 8 callings and not getting anywhere. Some guy explains to me where to find the information. 

The reason why I was confused is the fact that I never missed a payment. Something felt wrong about the decision. First, it was extremely vague and was heavily weighted. As they just issued me a second card. Now say my credit History was a factor. When it never has in the past 2 years plus that I had cards with them. 

After several contacts threw their security methods. In this back and forth I found out about the credit card in the past. That it was the main reason why closed it. They gave me one date which was XXXX. 

I found out just because I wanted to show them I was getting credit cards under control. The response email told me that it is great I will be on the past card. She forwards it to the department and they get in touch in two weeks. 

The problem is I am still a victim of Identity theft. It is still ongoing. I had thaught heard the last of in XXXX. Then my computer died for a few days. This happens. Somehow someone hacked all my accounts and changed email, password, closed down every account I had and other things. I think I caught it at the right time. I locked my credit history. Then I ran through and checked all accounts fixing two at once as I go. I only have 10 on the advice of a past lawyer. Still not sure how. All my passwords are 30 letters long. 

That comes up to the wondering part. I checked every record I had, As far back as I was able to get information. I do not have any chase cards on file. The bad news where some of the files stored had some severe water damage on 8 boxes of mine. So it still up in the air. 

I had asked them to send me the info and other requirements and they have not contacted me on it. Now I am perfectly fine for them closing it for ligament or rule reason. To close them on a debt that over 14. Then I have a major issue. Especially when they refuse to discuss or give answers. Chase wants me to bo to the bank which is XXXX miles away. 

In secured address I did asking, I asked 7 question lawyers said to do. The main Three was the debt a write-off. Do you still own debt or was it sold? Can you provide proof of ownership? These are the core thing most need if identity was stolen. Make easier to track. To decided if yours or the one whole stole your identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: TX
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 requested that a few accounts on my credit file be investigated by Equifax starting XX/XX/23. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. As of today, XX/XX/2023 I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2015 & XXXX XXXX two accounts was opened up in my name.. In the amount of {$500.00} ... The account is a fraudulent! Ive tried to speak with different level of supervisors about the fraudulent account and I was told that they are not going to assist me! I have submitted paperwork from the police department concerning my case

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: New Era Asset Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
In XX/XX/2022, my wife and I went into contract to purchase a home with an assumable VA Loan from the seller at 2.25 % APR. A closing date was set for the beginning of XX/XX/2022 due to necessity for the sellers and buyers with a clause that if closing was not met the transaction would be cancelled- a date that was 45 days from the initial contract signing. Initially Freedom Mortgage claimed that it would take 90-120 BUSINESS days to complete the processing of the assumption process even though both my wife and I had excellent credit and money on hand to pay all costs, down-payments. After a complaint from the XXXX XXXX XXXX and threats of legal action by the seller Freedom Mortgage was able to complete the entire processing in approximately 30 days, despite repeated delay tactics on the part of Freedom Mortgage. Due to our XXXX XXXX, my wife and I are being relocated and have signed a contract with another veteran to purchase our home with an assumption of the VA loan at 2.25 % APR. Again, a date was set from initial contract to closing of over 45 days to allow for processing. And once again, Freedom Mortgage is attempting to delay completion of processing by claiming they are short staffed. The buyers have provided all requested documentation to the loan processor and are being told it will take 60-90 days to review the application- even though all documentation was provided with more than 30 days to closing. Assumption loans are actually easier to process because there is no loan origination paperwork or requirements for things such as appraisals since the home and loan are already established and all that is necessary is to ensure the new buyer can take-over the loan with the remaining balance ( payments are fixed and amount of time left on loan is fixed ). However, for Freedom Mortgage a VA loan assumption is not as fiscally lucrative as selling a new loan at the current market rates of 7-8 % APR. A good proof of this is that as soon as we listed our home for sale Freedom Mortgage started calling us to advertise their services in providing a new home loan for our new location ( at market rates of course ) and promises to close in less than 30 days. Freedom Mortgage advertises itself as the number one provider of VA loans that is geared to providing quality service to veterans, yet, when it comes to the processing of VA loan assumptions ( perhaps one of the most important veteran benefits currently with high mortgage rates ), Freedom Mortgage engages in delay tactics and horrible communication to customers. The average time per XXXX to process a VA loan by ALL mortgage companies is 30-60 days. Freedom Mortgage needs to do better for their veteran customers.

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