BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed two student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Experian. Experian has refused to remove these items from my report even after I called and spoke with them directly. Over the phone, a representative stated that they investigated my loans under a fraud investigation. I explained to the rep. that Experian did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately.

This is the message I submitted to Experian : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # 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 2018-03-25
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
OnXX/XX/XXXX XXXX  XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX  On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX  ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On the XX/XX/XXXX, an American Express account manager contacted me around XXXX that night asking me to make a payment on my account! I had another week and a half before my payment was due ( the XX/XX/XXXX ). I had never been late or missed a payment before! In fact, I have been with American Express for 30 years! Meanwhile, he began telling me that based on their calculations I was not utilizing my credit enough and in order to continue to maintain my XXXX XXXX Card I need to make an early payment so that he can keep my account in good standing. At that point, I began explaining to him that American Express is not accepted by many merchants, which makes it difficult to use and that the annually fees are outrageous especially since I cant hardly utilize the card! Also, I told him that I dont give my banking informaton over the phone! After speaking with him a while he told me that he was reviewing my account and that in order to in good standing I needed to make a payment ahead of time so that it looks good on my account. At that point I was so confused, we continued to go back and forth! I told him that since I was not familiar with their policy I was gon na contact XXXX XXXX myself and make a payment! In good faith, i immediately contacted American Express and made two payments on both of my accounts! Afterwards, American Express decreased my credit limit! In my opinion, American Express is exhibiting unfair credit practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: AL
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 have filed numerous disputes with Experian about incorrect information being filed on my report. And after their investigations the items have been left 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 2018-04-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Notified by Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX that my personal loan had matured and that I owed $ 2,000+. I replied that I would try to pay balance by end of XX/XX/XXXX.

I realized later that I should not have such a high balance since I had been making payments ( although late ) and had not been over 30 days more than twice during the life of the loan.

I went into the branch office and requested the history of my account to see why I had this high balance. The representative could not give me an answer so I requested the history of my account.

On one of the weekly collection calls I was told that the balance was the accumulation of late charges ( 40 ) and interest.

When I received a collection call yesterday, XX/XX/XXXX, I inquired about my account history request and was told credit was still working on the request as many steps are involved in retrieving the information. Also, I was told that as I had made a payment on XX/XX/XXXX the balance had dropped to $ 1,900+.

I believe this balance is late charges & interest. I want to know whether NFCU 1 ) has been charging me late charges ( {$29.00} ) every 10 days ; 2 ) whether I am charged interest on late charges ; and 3 ) whether NFCU has reported these late charges as payments past due on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtain a car loan with Wells Fargo in XX/XX/XXXX for 48 months. In XX/XX/XXXX, Wells Fargo is reporting I was 30 days late on two different occasions in which my car payment was never 30 days. I sent a letter disputing the report, their response asked for documentation in which I provided bank statements showing the debits from my account. Wells Fargo refuses to report the correct information. Wells Fargo also refuses to provide a contact number or email to their Credit Dispute Center. A fax number is only available.

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 2019-02-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
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:
First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX  XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Approximately XX/XX/XXXX I refinanced my house with Nationstar. Original amount was approximately $ XXXX when I bought the house in XXXX. 

When I refinanced the property I was told that PMI would still apply, which I understood. The market I am in has gone up quite a bit and the house is now sitting above $ 170k. What I was told when I spoke with Mr. Cooper ( was sold off from Nationstar ) - was that even though I am at less than 80 % of the original XXXX amount, that the new original amount that I must have 80 % LTV is now the refinanced rate of XXXX approximately. I currently owe less than $ XXXX. I'm trying to figure out if I have recourse, to not have to pay from $ XXXX {$650.00} to get an appraisal for this property, when the value of the property when I refinanced it was clearly researched and they had to have a dollar value assessed other than the XXXX. I feel like this is a game they are playing to get money out of me, for wanting to utilize my right to remove the Mortgage insurance. 

I was told originally that they had findings that didn't require a paid appraisal. If that's the case, then my question is, what were the findings?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion stil showing this account open and is on my bk.

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 2017-08-23
Company: AMERICAN ADVISORS GROUP
State: KY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
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:
HIPAA Violation I requested validation ( not Verification ) of items being reported to the credit bureaus. ARS Account Resolution responded in multiple letters that they have " verified '' these accounts. This " verification '' presents multiple violations by ARS Account Resolution as well as the Credit Bureaus. First, ARS Account Resolution did not provide the evidence of validation that was requested and also by providing this information they are in violation of my HIPAA rights.

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 2019-02-11
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/XXXX AND ON XX/XX/XXXX I WAS DENIED I APPLIED FOR A MODIFICATION TO SAVE MY HOME DUE UNSTABLE, UNCONTROLLED SITUATIONS IN THE PAST HOSPITALIZED WITH XXXX XXXX XXXX XXXX, LOSS MY BUSINESS, AND nOW THAT IM IN A MORE STABL E SITUATION FINANCIALLY AND CAN AFFORD TO MAKE PAYMENTS BUT CANT AFFORD THE REARS TO BE PAYED IN FULL FOR REINSTATEMENT. I HAVE BEEN DENIED ALL MODIFICATION PROGREMS. I CAN AFFORD TO MAKE REGULAR PAYMENTS, JUST CANT AFFORD TO BRING ACCOUNT CURRENT I NEED THE PAST DUE TO BE PUT IN THE REARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: IL
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:
have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capital One Auto has a car that is covered under my bankruptcy- 2017 XXXX XXXX XXXX They hired a particular company to get the vehicle and thats fine, its the fact this company has NOT responded to a complaint after 72 hours and they still have my personal property in the vehicle as their towing company didnt allow me to get it all. They will be hearing from my wifes attorney and my own as they are refusing to give me my personal property still left in that vehicle. I have a taped recording of them stating I could retrieve EVERYTHING but that didnt happen so unless they desire to get sued I suggest they get back to me as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
I am seriously done. This is my last attempt. FNBO keeps charging my checking account more than once for my payments, I have to ask XXXX to reverse/Stop payment on the multiple withdrawals FNBO makes on my checking account. 

I've brought this issue up before and no one cares. FNBO instead refused to allow me to update my checking account on the website and had to call it in. Still then, I was charged more than once for my payments. 

When the reversals came in from XXXX, FNBO responded by lowering my credit line and refuses to honor the original credit line due to banking error. 

These payments have been sent and I have statements from XXXX, payment of confirmations from XXXX and even CFPB complaints from the XXXX XXXX team who have confirmed receipt of funds to FNBO. 

I am please, please asking for help to fix this issue once and for all. 

FNBO needs to fix the glitch that is charging my ACH extra and restore my original credit line.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

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