BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting a charge off from the cash store on  my credit. First, its not my debt and i never had an account with the cash store.  Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2019-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police Report ( Case Number- XXXX ) XXXX credit cards were fraudulently used without my permission. It's been a difficult task finding the police report and number due to our house being flooded and losing everything. But I found the police report and PORTFOLIO RECOVERY has failed to remove this debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper failed to pay my XXXX County taxes for XXXX. I had a tax payment due of {$8400.00} on XX/XX/XXXX. Mr. Cooper attempted to make a payment on XX/XX/XXXX, but, according to the XXXX County Treasury Dept, Mr. Cooper mistakenly deleted the Parcel Identification Number from the cart  and the payment was never made. Mr. Cooper failed to notify me of this missed payment and they failed to notify me that the payment was returned to my escrow account. I only found out when I got a late bill in the mail from XXXX County. I had to notify Mr. Cooper of this issue -- they were unaware and doing nothing to resolve it, despite their responsibility as my mortgage servicer and managing my escrow account. I have spent 3 months and countless hours chasing Mr. Cooper to get this resolved, and have found them to be both negligent and incompetent. Every time I call their Customer Support, I am given different and conflicting information. I have had to push them with weekly calls and chases to look into this problem. When I stop calling, nothing happens. My taxes are now 2.5 months overdue and I still can't get a straight answer. They claim that another payment attempt was made on XX/XX/XXXX, but there is no record of disbursement on my Mr. Cooper account -- the escrow balance simply dropped. Looking online at the XXXX County Treasury office, I can see they have not received payment and are still showing balance as due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: SLM CORPORATION
State: FL
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:
I

have hard inquiry on my credit report from salley m ae XX/XX/XXXX and i was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I cluldnt of possibly authorized this. Im noticing many inaccuracies.

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 non-monetary relief
Consumer complaint received 2017-07-13
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: Their investigation did not fix an error on your report

Complaint:
I 've made a complaint to the CFPB on company  XXXX   XXXX   XXXX   XXXX   XXXX  complaint number  XXXX  and this response i received response STATUS Company has not responded to your complaint  XX/XX/XXXX   The company has not responded to your complaint.  <P/> We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.  <P/> I 've disputed this account with equifax several times I was requesting documentation for them to give me that they had permission to claim these false allegations on my credit file and want it removed if they could not I hold no contract with this company and this company is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Thu,  XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,
CEO Capital One

I am contacting you re the abusive policies at Capital One  Regarding my Mastercard ending   XXXX   and VISA ending  XXXX  accounts.

I have for several months paid regularly in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!  Please see the attached proof of payments.....that you would treat me like this is abusive.  I pay and pay and the balance never comes down even though recently I have not initiated any new transactions.  NOT FAIR!!!!
What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on  XX/XX/XXXX and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Capital One and   XXXX   XXXX   for abusive practices regarding interest rates and punitive fees to customers.  Just on   XXXX   there are over 3,480people who have complaints about your business practices.  I know that there are a myriad of complaints regarding your bank and also several other class actions at $ XXXX  that you have had to pay regarding harassing phone calls to customers.  But there may be more coming re actual banking policies.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,   XXXX   XXXX   XXXX     XXXX   XXXX   This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

--

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. 

In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. 

Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation  loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. 

I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: IN
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/2020 I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the Equifax data breach. I have contacted Equifax, XX/XX/XXXX, and XX/XX/XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CITIBANK, N.A.
State: WA
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 have never opened a Home depot account. It 's fraud. Opened XX/XX/XXXX balance as of XX/XX/XXXX {$1700.00}. Just found it on my credit report I pulled and disputed thru XXXX credit reporting.. Needs to be closed/find out who it really belongs to. Have had fraud alert on account from XX/XX/XXXX when wallet was stolen with everything in it. NEVER HAVE HAD AN ACCOUNT WITH THEM.. Please take it off my credit 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 non-monetary relief
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
Step 1 : What is this complaint about? This complaint is about XXXX selling their credit card account to XXXX XXXX and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When XXXX sold the credit account to XXXX  XXXX, either XXXX  XXXX or XXXX closed out the account on my Experian credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my Experian report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? XXXX, XXXX XXXX, XXXX XXXX, Experian. 

Step 5 : Who are the people involved? Myself was effected by XXXX, XXXX XXXX, XXXX XXXX, Experian.

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 2018-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Credit Bureau of Carbon County
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Center-Wyoming is attempting to collect a Debt on behalf of XXXX XXXX XXXX on two separate balances. The first was opened/posted XX/XX/XXXX for the amount of {$200.00} and the second was opened/posted XX/XX/XXXX in the amount of {$140.00}. I am contesting these charges because I believe these to be fraudulent, between XX/XX/XXXX and XX/XX/XXXX I had not lived or visited Colorado for any amount of time. I have attempted to contact the company in question, but they stated that I would need to pay the debt in full and provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Had an account with Wells Fargo and it was during the time members and friends got ahold of my account and was using my ID and social security card to falsely identify me or open credit and let the bills go into collection. Wells Fargo stated that they closed down this account years ago. Now that I have relocated away from roommates that was committing fraud and scams against me. I relocate my family to XXXX XXXX and tried to reestablish my account with Wells Fargo and was denied. When I checked my XXXX  credit report it stated that I did have an open account with Well Fargo. The rep verify that it was an account open in my ame with my social security number but couldn't provide me any information on the account because I didn't know the username or account type because I didn't know one exist. Rep placed on hold to connect to any department that would be able to access the account but rep didn't want to wait on hold to warm transfer me and hung up. Which disconnected the call and wasn't able to speak with no one about this unauthorized account that I know most likely was open up by XXXX XXXX that has a account with Wells Fago and open my dependents an account with Wells Fargo after she went to social security office to change me to her as my kids payee and lied and stated that the funds was being spent on them and going into her account instead. When asked for kids well fargo account stated that she canceled but never gave me there money back from there account. I believe she open one in my account to have the direct deposit sent there. She made false fraud reports stating that she had unauthorized charges which was a lie. She kept her card in her shirt at all times and she give my daughter her account information to make purchases and then play like she doesn't remember and file reports with banks. Instead of Wells Fargo doing a proper investigation the close my account. Allow people with no valid proof of guardianship because one was never in place and would never be a safe place for kids go in and change information on the person that account holder. Wells Fargo need to be aware of this discrimination and judgment that was pass on me

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 2022-02-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchased TV from Best Buy salesman. Asked to fill credit app. to receive 10 % off first purchase. Was informed there was no obligation to accept credit offer. Credit report was entered with my social security number, but in my wife 's name. Never received {$45.00} which equals 10 % off. Bait and with but screwed everything up. Then tried to make Citibank correct information. Citibank would not do it. How does someone get credit card in their name if they are not even present? See watched What should I do now?

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 2018-01-31
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Their investigation did not fix an error on your report

Complaint:
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-13
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.

Company response to consumer: Closed with explanation