BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom This May Concern : I contacted Moneygram on XX/XX/XXXX to transfer transaction # XXXX, from a XX/XX/XXXX request of {$100.00} for XXXX XXXX from a Georgia pickup to a Florida state pickup. Moneygram advised me that they were unable to transfer a transaction state to state and that I had to submit a new Moneygram. 

I did and that transaction # XXXX was submitted for another {$100.00} to XXXX XXXX for a Florida pickup. He did pick that transaction up with no problems. 

Moneygram advised me that transaction # XXXX had to be canceled and it would be refunded back to my account within 3-10 business days. I contacted them after 10 business days and was advise it could take up to 30 days. 

After 30 days, I contacted my bank XXXX XXXX XXXX, to submit this claim. To date, Moneygram has yet to refund me the {$100.00}. XXXX did replace my {$100.00} in my account back in XX/XX/XXXX ( as you can see on the attached forms ) and after receiving documents from Moneygram stating that my son had picked up the monies, XXXX sided with Moneygram on this claim. TO BE CLEAR, TRANSACTION XXXX WAS NOT EVER COLLECTED AND I HAVE NOT BEEN REFUNDED MY MONEY AND IT IS NOW XXXX. ( XX/XX/XXXX ). 

After speaking with the XXXX claim agent on XX/XX/XXXX maybe XXXX filed a claim on the wrong transaction. So with this document and the ones attached, prayerfully we should not have anymore miscommunication. 

Now when I contact Moneygram on today XX/XX/XXXX, they are saying that they refunded my money on the same day ( XX/XX/XXXX ) that the transaction was canceled, how is that possible, when their policy clearly states 3-10 business days. 

Please help, this company keeps stating that they refunded my funds and they did not. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use Wells Fargo bill pay system. I was notified on XX/XX/XXXX that they were sending {$270.00} to the XXXX XXXX paper. I made the error - the amount was to be send to another service. I called the bank and requested they stop payment and was told it was " in process ''. We complained that the funds weren't scheduled to be received until XX/XX/XXXX. Why couldn't they credit my account and stop payment. " Not possible. '' Called and emailed XXXX XXXX. They said I would need a three way conversation scheduled ( bank, paper, and myself ) in order to reverse the funds. I explained repeatedly that the bank isn't involved at this point. Just return the funds to me - they were paid inadvertently and need to refund me. They finally acknowledged the payment on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the payment/refund. Every email exchange states they are looking into it etc. Then on XX/XX/XXXX they said the funds were " in the mail. '' I am really frustrated with both of these businesses.

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 2020-10-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I contacted TD bank multiple time to resolve this issue and they did nothing to help. I only had 1 account open and due to identity theft and fraud some how some way 5 other accounts were opened in my name that i had no Knowledge about. They forged my signature and i was told these people open this account either online or by phone. These accounts are not mine and I will not be responsible for the damage. Please help me asap with this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They have charged several overdraft fees to my account on funds that were refunded from the retailer. I explained to them but the refuse to refund me my fees. They have incorrectly charged me thousands of dollars over the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Funds in the amount of {$440.00} transferred to my external account ending in XXXX on XXXX, the transaction does not currently show in process or in completed transactions, screen shot taken from today, XXXX is attached to this complaint. I've checked with XXXX, external account, the funds are not showing as deposited as of yet, appears to be a delay as is evident in fact as transaction does not show in pending or completed. I've spoken with XXXX, they do not see funds in pending status on their side, advised me to contact the sender, which is Bluebird, appears to be an error on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection item added to my credit report in XXXX or XX/XX/XXXX. For XXXX dollars from XXXX hospital but now with GLA collections. I spoke with GLA in the fall XXXX and the CS said he would send me information about the debt. They had the wrong address and I had received nothing in the mail and no phone calls. He said it was from an emergency room visit in XXXX. It wasnt me! I have insurance and nothing was on my insurance either. After not hearing back, I wrote to them with the last 4 digits of the account number that I had from my CBR, my DOB, address and last 4 of my SSN. They sent me back a letter saying they couldnt find an account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
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 XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per 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 non-monetary relief
Consumer complaint received 2020-10-15
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This account does not belong to me and it coming it out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I got hard inquiry from XXXX XXXX and they sent me a letter credit repair removal XX/XX/2018 but Equifax didnt remove these inquiry from XXXX XXXX I have been calling for several time the Equifax customer service phone number but they didnt answer and i need to remove this inquiry from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried to dispute this item and it came back that this is correct with is wrong information I have no knowledge of this account and I do not know who this account is in for me to be liable to pay for something that I have no knowledge of is wrong

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX processed a refund in the amount of {$670.00}. I was told 10 business days MAXIMUM, they even gave me a transaction/pay ID number for the bank to look it up. Banner bank says they do not have it or have never received it. I have made multiple phone calls to both companies and just keep getting told to call the other. My money can not just vanish.

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 2019-01-02
Company: EQUIFAX, INC.
State: UT
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: Problem getting your free annual credit report

Complaint:
I tried to get the free annual credit report from Equifax because XXXX sent me a credit card that I had not ordered. XXXX and XXXX were great and I easily got my reports, but Equifax said that it couldn't send me report online. I tried to call them ( This was in XX/XX/XXXX ) and never could talk to a live person. I tried to order a report today ( XX/XX/XXXX ) and again, Equifax stated that it could not send the report online and to call them. I called again. Equifax stated that my address was not what they had on file. Now I '' m really worried. All of the information that I entered was correct. I never could speak to a live person. Equifax wants me to send all of this personal information through the mail to them so I looked up reviews. Other people have not had good luck with sending their personal information to Equifax. The company appears to be a complete joke. Why is Equifax even allowed to access our personal information? I can't get my credit report from them, nor can I talk to a live person, yet they hold my personal credit information and claim that what they have on file is not what I just entered. I have no idea what to do next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. 
I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! 
I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: OR
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:
On XX/XX/2018 my Chase Credit Card ending in XXXX had 8 different fraudulent charges. I called Chase on XX/XX/2018 when I discovered the charges on my statement. Chase removed the charges at that time and did their own fraud investigation. I didn't hear anything back from Chase until XX/XX/XXXX when I received a letter saying that they thought 2 of the fraudulent charges to XXXX in the amounts of {$290.00} each were a benefit to me. The confusing thing to me was that I didn't see these charges coming back to my card. It wasn't until I received my XXXX statement that I saw that Chase had added the 2 {$290.00} charges from XX/XX/XXXX back onto my XXXX statement. I called XXXX again on XX/XX/XXXX to ask them what was going on and they told me the same thing that they told me when I first called them on XX/XX/XXXX and that was that they knew the {$290.00} charges were fraud when it first happened and they had already issued a charge back to my credit card. So at this point Chase has received a refund but I have not received a refund from Chase. I called Chase Fraud department on XX/XX/XXXX and told them what had happened. Chase said that they would look into it and get back to me within 5 days. After 10 days of not hearing back from them I called them again on XX/XX/XXXX. The Chase rep ( XXXX ) told me that the fraud department hadn't done anything and they needed more time. It has now been another 12 days and I have not heard back from them. It is my belief that they are not planning on doing anything further to help me. I have proof that these {$290.00} charges to XXXX are fraudulent and I told 2 Chase reps that all they had to do was call XXXX like I did and they would be told that it was Fraud and that Chase had already been issued a charge back. I would like the charge back to actually come back to me instead of just going to Chase Company profits at my expense. I would also like to be reimbursed for the 8 hours of time I have spent on the phone and on hold with Chase dealing with this. I have attached an email from XXXX stating that these charges are fraud along with copies of the invoices for the fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
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:
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an XXXX XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

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 2021-08-14
Company: Cedars Business Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day Im getting phone calls from Cedars Bus Svc and I dont know what its for. I pick up the phone and say stop calling and they hang up. They have never left a message saying what its for. I block their number and they call from another location. Every single day, multiple times a day, all over the state!!! 

The latest call was this morning XXXX XXXX XXXX  from XXXX from XXXX XXXX NY XXXX XXXX XXXX  from XXXX, CA XXXX XXXX XXXX XXXX  from XXXX, MD XXXX XXXX XXXX from XXXX, MA XXXX And the list goes on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: NJ
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've been in contact with all 3 Credit Bureaus XXXX XXXX, Experian & XXXX  i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and XXXX  should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}

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