BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? 
ISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
On XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-05-02
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: Investigation took more than 30 days

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 rewards from credit card

Complaint:
XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife, son, and I have lived in our house at XXXX XXXX XXXX XXXX, VA for 20 years. The past 7 years have been a downward spiral as far as finances, so I filed for Bankruptcy. The bankruptcy was dismissed and I contacted my lender, Rocket Mortgage ( RM ), and requested help. RM agreed and restructured my loan on a trial basis. I paid XXXX payment and asked RM if I may enroll in auto-pay straight out of my bank account. RM set it up, and I was on my way to rebuilding our lives. I placed money in the account so it will always be paid. In XXXX, I checked to see how much I needed to add to my RM account and noticed they never took XXXX or XXXX payments. I contacted RM and inquired if they were restructuring again. I was hoping they realized the high rate I was paying was too high, but RM explained they wrote down my account # incorrectly. We got everything straightened out, or so I thought. XX/XX/, XXXX  RM auctioned off my house without warning. No mail, no email, no phone call. now RM say sorry, There is nothing they can do now. They can very easily take our home of 20 years, but can not tear up auction papers. In fact part of my downfall started when I refinanced with RM and XXXX XXXX stated I will PMI, which I didn't want. XXXX explained do not worry about it, just call me back after one year and you can have it removed. When I did that, RM explained it never works like that. My mortgage was more expensive that ever. I will make my last two payments since they did not take it out originally. A representative almost allowed me to do that yesterday, but like always, put me on hold only to come back to me with a solemn tone of indifference. I am a good man who had a rough time with family XXXX  and finances off the chart, but now I am rebuilding only to be kicked back down. Please listen and give me a chance. After all, I was doing the right thing and Rocket Mortgage 's mistake has cost me everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from XXXX XXXX and they were calling about a Debt with PayPal credit. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from PayPal and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from 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 2023-02-26
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:
I am a victim of identity theft a security breach and a mixed file. I have mailed proof of my identity several times only to be told it was never received. I have uploaded the same information through the upload portal since I do not have access to my credit profiles only to be told by some reps they see it and others they do not. I have called and spent hours over day in excess of 8 hours on some days trying to get help with this issue so it can be resolved and I can monitor my credit and begin the road to recovery from this mess. Yet these 3 agencies have not been helpful in any way. Despite me telling them I have mailed in the documents needed and uploaded them which has put this correction to my report and deletion of any file that has information that does not belong to me, they refuse to assist me and continue to tell me to mail in forms that will take an additional 30 days probably to receive and another 30 days to process if they even get to them at all. So if they never get them and I have waited 30 days to check now I have to send in the forms via mail again and wait another 30 the same as I have been since XXXX of 2022. I have requested help to make my online profile and account accessible to me and that has not been done. My account is unable to be verified online since they have my information mixed with someone else 's so when the systems try to authenticate me the authentication is unsuccessful. Despite this being what these companies should be able to do no one has been able to resolve this issue and provide me access to my credit reports then when I ask for them to be mailed to me they never arrive. I'm not sure what is in the air these days but people are comfortable with not doing their jobs and have the nerve to get upset the the person their lack of follow through or know how is affecting in a negative manner.

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 2017-11-12
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day for about a week, commenity bank calls me 9 times a day and sometimes 4 times in less than an hour. I have asked them to stop calling so many times, I have asked them to take my number off their list, and even asked them not to call at certain times because they are calling during the time I go to bed. They have not stopped trying to contact me and have now started calling my mother as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I sold my home at XXXX XXXX XXXX XXXX XXXXXXXX XXXX and purchased a new home in XXXX XXXX. We were scheduled to close on the home in XXXX on Wednesday, XX/XX/XXXX. I was advised it would be completed on time, I signed the closing documents, and turned over the keys on XX/XX/XXXX to drive to XXXX. We were scheduled to close on the home in XXXX on XX/XX/XXXX. 
Due to misinformation and the gross negligence of the buyer 's lender, XXXX XXXX, the closing of the house in XXXX has been delayed indefinitely. I am unable to close on the new home in XXXX  until we finish closing on the house in XXXX because I can not afford two mortgages. 
Its been two full weeks and we still have not closed on the house in XXXX. I've been homeless in the XXXX XXXX area during this time and have had to pay for a hotel while waiting for XXXX XXXX to give the clear to close. I have two pets and with the hotel and additional pet costs, it's cost me over {$2000.00} in living expenses while waiting for XXXX  XXXX. 
I've contacted the buyer 's lender, his branch manager, the Chief Complaint Officer  XXXX XXXX, the Vice President of Compliance XXXX XXXX, and the XXXX XXXX President and CEO XXXX XXXX. I've also submitted a formal grievance to the Colorado Housing and Finance Authority, the Colorado Attorney General 's Office and the Colorado Department of Regulatory Agencies, Division of Real Estate. 
We still have yet to see resolution from XXXX XXXX. Their negligence has negatively impacted the livelihood of both my family and the buyer 's family significant. 
Any assistance the CFPB could provide in urging XXXX XXXX  to take action would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ONXX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXX THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXXTO BE REMOVED.

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 2023-01-04
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I often times pay this credit card ahead of time and I have never been delinquent. I paid them {$1000.00} ahead of time to cover expenses while I was going to be away from home closing an apartment in XXXX  that I needed while I was receiving medical care but was finished with treatments. The company received my payment but in only 10 days turned around and sent my payment back to me and I thought my bills were paid. I am an elder with no help at all and I knew my time would be very full packing, putting everything in storage and returning to XXXX and believed my bills during the time were covered but Capitol One turned me in for no payment when that was not true! That dropped my credit score a huge  amount and I need my credit restored. I called and changed my address and they said they had my XXXX  address but I never received a bill and my address was never corrected. I am an elder and I am not accustomed to checking my bills online, I do want paper bills since they must be turned in for accounting. I have been a very long term customer but now I DO NOT trust Capitol One, I have been an excellent customer and I am not late on my payments but Capitol One sabotaged me. I need this rectified and I can't afford for them to punish me for paying ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I HAVE A {$79.00} BILL IN COLLECTIONS I WAS NOT AWARE I EVEN HAD THE BILL APPARENTLY IT WAS FROM ALMOST A YEAR AGO, I PAID THE BILL AND ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND THEY SAID THEY WOULD, TWO MOUTHS LATER IT IS STILL ON MY REPORT AND IM TRYING TO GET A LOAN, MY MORGAGE COMPANY TOLD ME TO CALL THEM AND ASK FOR A LETTER SAYING THEY WILL TAKE IT OFF MY CREDIT REPORT, THEY SAID THEY CANT DO THAT, THAT ONLY THE CREDIT REPORTING AGENT CAN DO THAT, MY MORGAGE COMPANY ASSURES ME THAT THEY HAVE TO DO IT AND I DONT KNOW WHAT TO DO AT THIS POINT. 

KEYBRIDGE XX/XX/XXXX Open XXXX XX/XX/XXXX XX/XX/XXXX Placed for collection Collection XXXX, XXXX, XXXX KEYBRIDGE XXXX XXXX XXXX XXXX, XXXX, OH PHONE ( 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 2023-07-17
Company: NRA Group, LLC
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: Information belongs to someone else

Complaint:
I called National Recovery Agency on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. National Recovery Agency has my name but the social security number and address do not match their account information. 

I was never called, emailed, or contacted by mail from National Recovery Agency. I keep a XXXX number and a US address. My US phone number and US address is clearly on my credit reports, so National Recovery Agency has my current contact information. 

The representative told me there are XXXX accounts with my name showing XXXX XXXX XXXX. I have never lived in either state nor traveled to those states. The original creditor, City of XXXX XXXX is also not in the state of XXXX XXXX XXXX, but in the state of XXXX. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. 

I also called the original creditor ( City of XXXX XXXX ) and there was no account information for me. 

I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.

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 2021-11-20
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a dispute to TransUnion about XXXX accounts that were open as result of identity theft. Those accounts are : XXXX ( # XXXX, Total Amount Obtained : {$2300.00}, Opened : XXXX ) and XXXX  (. # XXXX, Total Amount Obtained : {$1100.00}, Opened : XXXX ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. TransUnion didn't answer my dispute or blocked the accounts are they are required pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/XXXX I began employment with an organization called XXXX in XXXX, GA. XXXX XXXX XXXX I was hired as their XXXX XXXX XXXX XXXX. As such, I purchased a one year subscription from XXXX with my XXXX email address and my personal credit card. I departed that organization in XX/XX/XXXX and they immediately removed my access to that email address and continued using the XXXX XXXX account. Additionally, I believe they selected the auto renew option which resulted in another charge of {$400.00} in XX/XX/XXXX. So, in XXXX  of this year I was charged {$400.00}. According to XXXX XXXX, who refused to reimburse me because the account has been used by XXXX, they authorized payment. 
I contacted XXXX ( who by the way are a credit card distributor with the XXXX Visa Card ) who's VP of Human Resources admitted accessing the account but refused to offer me the reimbursement. 
I called Citi Card to report fraudulent use of my credit card and they claim it is not fraud? I'm not sure what to do. My card was used by XXXX without my permission and they locked me out of the XXXX XXXX account so I was unable to cancel, receive renewal reminders, etc.

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