BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I sent money with western union on XX/XX/XXXX Amount.XXXX $ to XXXX for business payments Western union tooks money from my XXXX XXXX bank account on XX/XX/XXXX it should deliver by XX/XX/XXXX as promised by western union But it never delivers even more than 3 weeks I start flowing western union by calling/emails/social media customer service after XXXX XXXX XXXX Regarding my payment but they flair to provide me any information but only keep saying that your money has been delivered but when I ask my receiver there was no payment at all And aftr 3 weeks western union told me that our bank partners in XXXX gives us wrong information about your payment so we apologize and we ll refund your money to your bank account From XX/XX/XXXX to XX/XX/XXXX I haven't received my money back or the payment in XXXX Because of this 32 days delay I loose my business in XXXX the damage to my business costs me XXXX XXXX XXXX XXXX  rupees around XXXX $ So I want you to help me to cover my damages from western union Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
TWe have been caught up in the MyFedLoan program for years. Finally, in XXXX, we received a notice that we have made 152 Qualifying payments, which is more than the 120 required, and that we have no more Qualifying payments to make but our loan still has a Balance Due- can you help us to get them to XXXX the discharge before Fedloan quits? Thanks you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NC
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 received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for experian but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called experian today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX XXXX University asserts that I owe medical bills in connection to my daughter who resided with her mother XXXX XXXX XXXX last known to reside at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) at the presumed period of time. 

They have since damaged my credit during this COVID-19 pandemic, hurting my ability to qualify for housing ( which requires a credit check ) or employment. 

Such actions during this national emergency are not generally allowed. However, at issue here is that the debt is not mine to begin with. 

The agency now adversely attacking me is : The Medical Business Bureau XXXX XXXX, IL XXXX ( XXXX ) XXXX I ask for an immediate reversal of adverse credit reporting directed against me and for a correction, as this is not my debt - and for such relief available to me under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Unable to access credit reports online through equifax and XXXX. In addition to that unable to do online disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I refinanced my rental property loan with XXXX Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were XXXX & XXXX, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made an electronic payment to Bank of America in the amount of {$8300.00} ( this amount paid my account in full ). On XX/XX/XXXX, Bank of America tried to debit my account for an additional {$7900.00} ( which I did not authorize ). On XX/XX/XXXX, I called Bank of America and spoke to someone named XXXX and explained that Bank of America should not be charging my XXXX XXXX account for any amount because I paid the balance in full on XX/XX/XXXX. She said she completely understood what I was saying but the charge had already went thru but not to worry as it would be refunded in 2-3 days. ( I explained that I did not know how that was possible as I did not have that much money in my account ). On XX/XX/XXXX, {$7900.00} was taken from my account by Bank of America. When this amount was still not credited as of XX/XX/XXXX, I called Bank of America again and spoke to someone named XXXX XXXX. He said he understood what was going on but he was not able to refund my money and the situation had to be " thoroughly reviewed '' by a different department and that would take 8-10 days. I told him that was not acceptable and that I was going to start action against the bank. Note : My " payment due date '' is the XXXX of each month. Thank You, 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 monetary relief
Consumer complaint received 2021-09-09
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$310.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Collection account. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Without my consent- my investor XXXX XXXX via Wells Fargo-enrolled me in a trial mortgage modification -adjusting the amount of funds applied to my mortgage. Instead of XXXX a month they changed my payment to XXXX  a month without my consent. I have no idea why they did this and what happened to my credit or the funds during the last four months. I pay my mortgage every month on time /I have no issue I did not need any assistance/ I did not ask for anything : and unsolicited and without my consent they did this. I never contacted them to request anything.

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 2020-05-07
Company: Experian Information Solutions Inc.
State: DE
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 XX/XX/XXXX, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX acct # XXXX dated XX/XX/XXXX and XXXX XXXX acct # XXXX. Experian did their investigation XXXX XXXX and then XXXX XXXX was verified as accurate using the EOscar method of verification. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Experian has used an EOscar menthod of investigation without and true explanation of how the accounts were verified. I requested original documents from Experian showin any written proof from XXXX XXXX or XXXX XXXX that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received no documents that by law, I am entitled to. Experian is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Experian as well as XXXX XXXX and XXXX XXXX. I have attached a clear copy of my drivers license and social security card to verify my identity.

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 2021-09-09
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX ft ladder thru internet paying with credit card .I disputed charges, they state that they have tracking that item was delivered. I never received any tracking information nor did I received the XXXX ft ladder. 
I pray that you help with this case & refund money .transaction amount {$64.00} transaction date XX/XX/2021 resolution denied

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 2018-04-12
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect 4 accounts in total that are the results of apparent fraud. The accounts are XXXX, XXXX, XXXX XXXX and XXXX. When I logged to the system with my information, it appeared under the name of " XXXX XXXX '' and the account balances amounted to {$6100.00}. I verify my XXXX XXXX and confirmed that those accounts were impacting my credit score. The whole profile was under the name of another person that is clearly not me. The company is manipulating the clients information and awarding those accounts to me. I did not recognize such accounts and the person which they have in profile its not me.

Attached is the online profile from XXXX XXXX, which is clearly not under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.

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 2020-05-07
Company: BARCLAYS BANK DELAWARE
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card used : Barclay Card US Purchased a flight on XXXX but flight was cancelled due to Covid 19 XXXX booking ID : XXXX / XXXX XXXX booking code : XXXX Amount : {$510.00} My credit card statement shows XXXX XXXX charged my BarclayCard, but XXXX is not refunding me. First they asked for {$100.00} processing fee, then they lowered it to {$80.00} fee. 
I do not believe I should pay any fee to get my money back for a service I never received. 
DOT says passengers should get refund if flights are cancelled by airline and mine was cancelled on XX/XX/XXXX, per XXXX XXXX customer service rep. 
Barclay Card says disputes can not be taken over phone. I submitted request for help twice online after calling. The helpline says disputes will be reviewed in 60 days!

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 2018-04-12
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There is a NEW policy with the RATE REDUCTION PROGRAM. Borrowers now have to renew paperwork every 6 months instead of every year. THIS AMOUNTS TO HARASSMENT. I am a XXXX  year old that took out these loans by mistake. I've been paying them back since XX/XX/2009. It is bad enough that I have to go through the XXXX  and XXXX every year with this. I AM NOT GOING TO GET A HIGHER PAYING JOB AT MY AGE. This is low level harassment. I lose time job time to take time to " renew '' once a year NOW THEY HAVE MADE IT EVERY 6 MONTHS!!!!

XXXX  DO YOUR JOB!! This organization was a BOON to student borrowers now you are just trashing it. DO SOMETHING!

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On Monday XXXX I reloaded my prepaid American Express card. I tried to pay my cellphone bill XXXX. The first time my card was declined. No problem, I probably typed too fast I thought. Tried it again and it was declined. My account was hacked before, so I went to check my balance on their app. I discovered I'm locked out of my account. Username, password, security question all wrong. I tried to reset it, and that wouldn't allow me to. I tried to call their customer service number, but after XXXX minutes on hold I gave up. I went to their XXXX page and discovered other people are having the same issue, if not worse and since way before me. Some have been having issues since XXXX. I've been calling every American Express number I can find since. Each time I'm on hold for 2 hours before they drop my call. I can't get my money, I can't pay bills, I can't buy food.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: CO
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 purchased a vehicle in XX/XX/2018 and then again in XX/XX/2018 and the dealership was informed and requested to only run my credit once, and they, without permission ran my credit more than 10 times each time. I have received a letter from the dealership stating they did not have the permission to run my credit and they would have them removed from my report, but that has not happened. I contacted the credit bureaus and they had me write a letter stating the problems, and they have since refused to remove these inquiries off of my credit report even though it has been considered fraudulent activity and was not authorized.

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 2019-11-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer of " 5 % back as a statement credit, up to {$25.00}, now through XX/XX/2019 on purchases you make with your Citi Diamond Preferred Card online. '' I made a purchase on XX/XX/2019 during the promotional period in the amount of {$570.00} and should have received a statement credit of {$25.00}. 

I waited for this credit and never received it. 

I contacted a representative of Citi on Live Chat on XX/XX/2019 and he stated I would receive the credit on my next statement. As of my XX/XX/XXXX statement, no credit has been received.

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: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2018-03-25
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase credit card opened and used without my knowledge, also payments made out of my company account.

Company response to consumer: Closed with explanation