BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
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:
Sent {$4000.00} through moneygram - when my husband tried to pick it up they would not give it to him because I left off middle name. - form clearly said " optional '' and the suffix - there was no place that asked for suffix.

They told me i had to cancel and resend. ( when I called today they said they can add middle name after the fact however last night I was told that wasn't possible ) They wont refund the fee. Then I sent again this morning. This time they wouldn't let him pick up money because they said it was missing information even though i got text and email that it was ready for pick up. And when I log in it still says that. So {$8000.00} out of my account plus fees and they said it would take up to 10 days to return money - sans fees. For a service I did NOT get. Have spent 3 hours on the phone over two days in hold XXXX and transfers to different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received letter from " XXXX XXXX XXXX '' of threatening they would access XXXX, XXXX for {$510.00} payment of a " Check N ' Go '' bill where i was told there was no account this caused me to think i had the wrong business. Followed up with " Check N ' Go '' to resolve issue. Called corporate given another 800 # a total 11 different contact numbers, on XXXX to XXXX kept getting transferred to 800 # 's all were refusing to resolve payment for {$310.00} where i was told there was no account. The Company Letter head is " XXXX XXXX XXXX '' XXXX but voicemail said " Competitive Contact Solutions ''. No payment was submitted to them because they used two different names and threatened SSI & SSDI. Called back the next day there voice mail said " XXXX XXXX XXXX ''. Want to resolve the bill but I don't want to send money to a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX has fraudulently been using my SSN since XXXX and in XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

XXXX & Transunion wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

XXXX XXXX site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to Transunion, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is 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 2018-10-16
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX has been calling my family members, including my grandmother, uncle, and my uncles ex-wife, multiple times trying to get information about me, even though they have my address and phone number and I have talked to them several times. In the times Ive called, Ive asked them to please stop contacting my family members ; their response : we are allowed to contact anyone we want in order to get in contact with you. It doesnt make sense and is illegal to contact others if they have my information and are in contact with me. They keep calling my family members, telling them details including the fact that I have a credit card with XXXX XXXX that is in collections and they threaten me with legal action if my family members dont pay or provide information about me. They tell my family members to tell me I am going to be in legal trouble if I dont call. Ive called them several times to tell them I am unable to pay! Yet they still harass my family members. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees I can't access statements previous to XXXX From XXXX there were about XXXX $ in overdraft fees. I communicated to the bank that I was struggling and paid to get my account current each time. I was not once compensated for the fees and would like to be compensated please.

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 2019-04-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
I upgraded my XXXX XXXX card in XX/XX/2018 and was told by the agent who did the upgrade my anniversary date would not change. It turned the agent was giving me the wrong information in order to upgrade the account. XXXX   changed my anniversary date from XX/XX/XXXX to XX/XX/XXXX without my consent! XXXX has the recording of the agent who was misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Mr. Cooper Group 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 status incorrect

Complaint:
In 2016, I had a mortgage on a rental with Nationstar Mortgage. Payments were made by my agent with money orders. In XXXX he sent two money orders in one envelope. Nationstar cashed one and lost the other. He and I worked diligently and in good faith for months trying to get the lost money order applied. Nationstar told us, for months, not to send another money order. We have dates and times of voluminous email messages from Nationstar and tape recordings of some calls. 
Nationstar was not dealing in good faith. They started applying payments for subsequent months to the 'delinquent ' amount. This resulted in subsequent months being delinquent. However, I was never delinquent in payment. The only funds missing was the money order Nationstar lost. We even sent them copies of the money orders. 
It became so stressful I finally sold the rental. I even sent Nationstar additional funds to cover those that they lost. Technically, they owe me money. However, all I wanted was to close the account, so I told them I would not make any claims if they would just fix the credit. 
They failed to do so. I initiated claims with Credit reporting agencies and they still refuse to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. I shopping and compare HELOC product between two banks 2. XXXX XXXX offer XXXX and higher rate and can not compate with XXXX XXXX 3. I inform XXXX XXXX   list as second lien position and reduced loan amount cause I choose XXXX XXXX to be the first lien XXXX with better rate. 
4. XXXX XXXX loan officer aware the XXXX offer {$400000.00} was accepted by me and willing to reduced loan amount and will to accept second lien position. 
4. 4-5 days after closing, XXXX XXXX disapproval closing and accused me to defraud loan and decide to ending and close all bank relationship ( loan and checking account ) Report to credit bureau that I tried to cheat and scheme loan. 
5. I proper disclosure XXXX XXXX to XXXX XXXX loan dept through email and phone, all intake units aware that I used XXXX XXXX as first lien position and bank still disreagrd all fact and prepare me to close loan as they are the first lien position. 
6. due to their neglect & illegal sale stragy, Fraud and claim dept verdict me that I cheat their loan and report to credit bureau I lie on the loan application, My credit score drop from XXXX ... .. and record will stay for 7 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
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:
My auto insurance paid off the vehicle. And Equifax does not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one owes me points accumulated on a credit card which were going to be used in order to pay the credit cards balance. Instead the company closed the account suddenly without warning and sent the account into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This medical collections need to be deleted/Removed Off My Transunion credit report due too hippa violation there is no Right to Revoke Clause form attached any of my medical papers!!!!

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 2017-12-11
Company: EQUIFAX, INC.
State: NJ
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:
A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have written at least 15 CFPB complaints about the Servicing Mortgage Company, and no action has been taken. I received a Certified Letter dated, XX/XX/2018, from XXXX XXXX XXXX XXXX, XXXX XXXX, Assistant Vice President informing me that a copy of my complaint has been forwarded to SPS Inc., and that SPS will provide me with a separate response. 

This issue was elevated by me to XXXX XXXX XXXX XXXX, XXXX, after numerous written attempts directly to Select Portfolio Servicing., Inc. , ( SPS ), for them to provide me with written proof of Real Estate documents, reflecting the Sale/Transfer of the property from XXXX  XXXX XXXX , as the XXXX County Georgia Superior Court records only show XXXX  XXXX as the owner. 

According to 15 U.S. Code 1692g - Validation of Debts, this is the Federal Law, and SPS is not complying with the law by not providing me with that inmformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called to get details on the original debt, they weren't able to produce any of the original signatures or verify when the debt was established. Contacted repeatedly to speak to a better rep actually able to help no answer just ring back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
NUMEROUS TIMES I HAVE REACHED OUT TO MACYS IN REGARDS TO THE FRAUDULENT ACCOUNT THAT WAS OPENED AND MAINTAINED WITHOUT MY KNOWLEDGE. I DID NOT AUTHORIZE FOR THE CARD TO BE OPENED OR AUTHORIZE ANY OF THE CHARGES.I KEEP SENDING THEM EVERYTHING THEY ARE ASKING FOR BUT STILL ITS NOT ENOUGH. SEEMS LIKE SOMEONE SITTING AT THEIR OFFICE IS JUST DISCRIMINATING AGAINST A WOMAN. I AM NOT SURE WHAT ELSE I CAN SEND THEM IF THE POLICE REPORT, NOTARIZED IDENTITY THEFT REPORT, MAYBE NEXT THEY WILL REQUEST A BLOOD TYPE AND STILL WIL NOT BE SUFFICIENT FOR THEM TO REMOVE THE THIS FRAUDULENT ACCOUNT FROM 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 explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: WV
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:
On XX/XX/XXXX, I noticed an unauthorized charge on my checking account, ( by accessing online banking ) in the amount of {$79.00}. The only description is " XXXX XXXX XXXX XXXX ''. I immediately notified Chase and reported the charge as fraudulent. They initially issued me a credit. Today, XX/XX/XXXX a full seven weeks later, that initial credit was reversed, creating a negative balance. I once again called chase, and was told that they contacted the retailer, and the retailer provided evidence, such as my name and address and delivery date, sufficient enough for chase to determine the charge was not fraudulent. WHAT?? If someone, somehow obtained my debit card number, with it in my possession, is it really a quantum leap for the fraudster to also have other personal information about me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: SB Holdings, Inc.
State: MO
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:
On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: MT
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 two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I came across my credit report recently after I have filed a dispute in regards to incorrect items on my credit report with Caine & Weiner and it was removed on or around XX/XX/XXXX however ; this account has reappeared back on to my XXXX  credit report despite the fact that its against the law to replace a negative item back on to my credit report after it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am unsure as to where this is furnishing from and why, but I noticed on my credit report 3 separate amounts reporting XXXX, XXXX and XXXX. I never received a bill for this at all, nor am I aware as to where this is furnishing from. I then found a bill with a single item of XXXX which is the sum of these three amounts. There is no itemization whatsoever on the one bill received. Again, I still don't even know what this bill is. However, why is a single bill being reporting as three separate items to my report. Is any of this even legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX  of last year XXXX I took a loan out for a XXXX XXXX which was XXXX and was suppose to have an interest rate of 7 % the loan terms was I was suppose to pay XXXX a month for the 1st year and after the first year my payment was to drop lower. I paid them XXXX a month for the whole year payment didnt drop. I called capital one about this spoke to a customer service rep and they basically stated this is what not stated on the contract, you have to contact the company which sold you the car which was federal auctioneers which Is operating under multiple DBA this cause me to check the bill of sale amount and the amount they have on the contract which capital one refuse to provide to me. They only provide me with the amount of sale over the phone and the amount they provide for me over the phone does not add up to the bill of sale receipt which the car was sold for. I was only provided with a bill of sale no contract. The amount the car was sold for should be what the car was finance for plus whatever addition fees that comes with interest.

Company response to consumer: Closed with explanation