BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Western Union advertising free transfers from bank to bank, they send a Pin for verifications, however they don't allow online transfer of {$480.00} for second time already. When I contacted mngr today XX/XX/20 at XXXX   XXXX, manager told me that " for verification of identity I have to go to the location. So the spam is that location charge around {$20.00} for the service, which means that while deceptively advirtizing free transfer on reality Western Union is making free transfers impossible. Another words I see it as bite and switch and deceptive advirtizing.

If Western Union was just about to " identity verification '' they should make " location transaction '' free too.

I request to investigate deceptive business practices by Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: DISCOVER BANK
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:
I used my Discover credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Discover a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Discover take care of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a credit card with Navy Federal, I was approved for a {$500.00} limit with an XXXX XXXX card, when I received it the account was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in  XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and  raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
<P/>
I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
<P/>
I asked them how they got this information and he stated he did n't know how his company obtained the information.
<P/>
These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: NY
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 closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of 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 explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a frontline worker and a real estate agent. During the pandemic last year, due to my job, I contracted XXXX and got my entire family extremely sick. 
I have a Capital One business card under XXXX XXXX that ended up falling late due to this. I had tried to call Capital One to make a payment but was put on hold for too long, and prior to that, I had lost online access. 

I had more than enough money in my bank to pay the account off. 
I have attached a copy of my real estate license and my bank statement from the time that I had sufficient funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wife and I attempted to make a small purchase at XXXX when our card was declined due to insufficient funds. We immediately went home to call the bank where we learned that there had been fraudulent activity in the first couple of weeks in XX/XX/XXXX. We then file a claim with the bank for the XX/XX/XXXX fraudulent charges. Upon further conversion with the bank technician, recognizing that there were at least 4 fraudulent charges in XXXX, she asked if this concluded our claim. I advised no, because we did not have online access we would need her to send us a means to reset our access so that we could go online and then determine if any other fraudulent charges had occurred. At that point we reset the password went online and discovered numerous more fraudulent charges dating back to XX/XX/XXXX. The culprit continued to use the card off and on for 3 months. During that time we chalked up our low account balance to holiday spending and travel, even taking out a loan of {$1000.00} due to our low funds and not knowing that all the while someone had compromised our card. 

The vast majority of the purchases occurred at stores that we do not do business with, that are not in our city of residence and most being gas stations that we never do business with. In one day my card was used at 5 different gas stations and yet NetSpend never saw that as being out of the ordinary. We reported the remaining fraudulent purchases to NetSpend having identified claims totaling {$1700.00} within 5 cities including and around XXXX. 

Weve filed a police report and provided it to NetSpend and the police report even includes a picture of the culprit. Who is not someone we know. 

A month later they have denied our claim stating that we used the card after reporting it stolen. That is not true as if we reported the card stolen prior to knowing in XXXX, NetSpend would have closed the card. Again, we did not learn of the fraudulent card use until XX/XX/XXXX, but that unauthorized use began in XX/XX/XXXX. 

What they are basically telling us is that you think we willing committed bank fraud over {$1700.00}. Do you really think my wife, who has an XXXX  XXXX  XXXX, and myself would risk jail time over {$1700.00} We are sickened by this process and the lack of communication from NetSpend. We have filed multiple complaints with the XXXX XXXX XXXX and Texas Attorney General Office regarding this issue and the treatment we have receive from NetSpend. 

We've included a spreadsheet with charges, dates and totals for the fraudulent use of our card.

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my Trans Union and XXXX and XXXX credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of 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 explanation
Consumer complaint received 2019-05-13
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: Information belongs to someone else

Complaint:
i was victim of identity theft, somebody stole my personal information to open accounts.

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 2017-11-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In an attempt to pay a judgment lien, I contacted XXXX XXXX and worked out a settlement amount to pay the judgment in full. In good faith, I paid the agreed amount and requested that XXXX XXXX file a Satisfaction of Judgment so that I could move forward with refinancing my home. After repeated requests, XXXX XXXX will not send the Satisfaction of Judgment or even give an estimated time frame for when they will complete the form. It has been XXXX months since XXXX XXXX cashed my check for the amount owed and verbally they have confirmed that the account has been settled in full since XXXX XXXX. It is now XXXX XXXX and after approximately XXXX different phone calls, I am desperate to get XXXX XXXX to act. I am trying to refinance my mortgage, which potentially saves me XXXX per month but I can not do so without the Satisfaction of Judgment because the title company can not insure the new loan.

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 2022-10-03
Company: MARINER FINANCE, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a personal loan with this company. 1 ) They will not allow me to do any type of extension on a payment without " renewing the loan '' and taking out more money. I had to do that back in XXXX of 2022. I did not want more money, I wanted an extension for a payment. 2 ) they will not allow me to change the due date of the loan. As of right now, my due date is the XXXX ( or XXXX ) of the month. I have explained a couple of times that the first of the month is when every single thing I owe is due, but they will not change my due date, they just say " pay more next time ''. If I could double up my payments, don't you think I would? And 3 ) I have repeatedly asked them not to call me, I wish to have all communication in written form via US Mail. But, today, XX/XX/XXXX, only 1 or 2 days after my due date, not even waiting for the grace period, they started calling me again. So, my requests to the CFPB are : please tell them to stop calling me, ask them to kindly change my due date to the middle of the month and give me an extension on a payment when I need it instead of making me sign a new loan and give me more money. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX BALANCE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2019-04-16
Company: COAST PROFESSIONAL INC
State: MA
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 have requested information about the student load debt that Coast professional Inc has made attempts to collect. I send made a phone call to Coast professional on XX/XX/19 requesting validation of the debt because I would like to the validity. They send me a correspondence to validate the debt but it was not sufficient as the documentation was incomplete. I requested the promissory note for the loan and they we're unable to provide the me with the complete documentation. I do not have information to confirm that this debt is valid or the dollar amounts that are being attempted to be collected from coast professional are valid and accurate. 

All of my attempts to retrieve the requested information have not been successful. They have failed provide validation of this debt for a time period spanning over 30 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 explanation
Consumer complaint received 2022-08-12
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Goldman Sachs is violating my consumer rights under GLBA and FCRA. ( Please see attached notice )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.

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