BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.

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 2017-12-12
Company: JPMORGAN CHASE & CO.
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:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: DC
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 prepaid hotel room from an Indian company named XXXX. They pre sell rooms on the condition that they are inhabitable by the hotel that has a deal with them. 
When I showed up at the XXXX XXXX and went into the room, i had such a violent reaction that I needed to leave the premise, seek medical treatment at a nearby XXXX, and was unable to stay in the room unless I wanted to die. XXXX violated the warrany clause in our agreement. They had an obligation to provide inhabitable accomodation which they did not. See the agreement gets tricky bc they are not a US company and they dont own the hotel rooms they are brokering out. If the warranty or claim that I will be given a hotel room that wont kill me due to some pesticide or insecticide being sprayed in the room is not fufilled then there is a breach of contract. 
I spent 3 nights paying for another hotel and provided Chase with a detailed summary of the matter, how I became violently ill and was unable to stay in the hotel and that the hotel agreed to refund my money. However since XXXX was the payment processor they received the refund. Chase did not bother to ask them about this and just sent my claim to someone in India who doesnt understand US law nor had any iinterest in finding the truth. Notwithstanding the XXXX loss i suffered as a result of this fraudulent conveyance Chase was provided with extensive documentation and a detailed explanation as to why the contract was breached and why I was owed my money. This does not include the over XXXX i had to pay for another hotel room by XXXX bc i could not stay at the XXXX XXXX. 
I am entiteld to have my money refunded as i was not given a room that i paid for. Am seeking the refund of my monies or i will pursue a case in small claims court. This is about integrity, respect for the law, and fairness. 
Chase contractors in India ( maybe they are friends with the scammers at XXXX XXXX who are also in India ) should not be working on claims involving US transactions where there is a dispute in law and violation of the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I deposited XXXX one day. I sent my landlord XXXX for part of my rent and that left a balance of XXXX. PayPal decided that that was suspicious activity and put a freeze on my account. I tried transferring it to my own bank that is linked to my PayPal, it would'nt work. I tried sending the balance to my landlord, it would'nt work. I was on the phone multiple times with representatives saying the problem had been fixed and I should be able to send and receive any amount. Nothing worked. SO VERY FRUSTRATING!!!!!!!!!!!! My daughter sent me XXXX from me selling different things at an antique show. My dads pocket watches and mantle clock and different things I have been accumulating all these XXXX years of my life. I informed them of what each transaction was and they still decided to hold my funds. I am SO FURIOUS. How can a company decide to hold someone elses money??? and for so long???? I need that money for my care. It is not acceptable and the time of 180 days is extremely inappropriate. PLEASE help me!!!!!! I am not happy. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have reached out a number of times to Transuion, sent all supporting documents required. Drivers License, California I.D and a Bill to support the claims for the disputs, so why are they requesting me to send in these documents. I 've done so everytime, and why are they requesting 60 days when they have by law XXXX 45 days to complete an investigation?

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 2021-06-02
Company: Experian Information Solutions Inc.
State: AZ
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/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.

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 2021-07-30
Company: Angel Oak Home Loans LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We began a mortgage refinance with Angel Oak Home loans in XX/XX/2021. As of today, XX/XX/2021 we have NOT completed this refinance. We have been asked over and over to supply additional information and had to re-submit for credit reporting and re-certification of appraisal because they were so slow/inept at underwriting & processing that many of the documents had " expired ''. XXXX XXXX was our original loan officer ( NMLS XXXX ). After some months of him being missing-in-action, XXXX XXXX tried to step in to help ( XXXX ). I was promised by XXXX that if we just run credit again in XXXX, that we would be able to close on the re-finance the following week. Obviously that didn't happen. They never communicate with me as the customer unless I reach out for a status - only re-active communication. No pro-active communication. 
The loan processor, XXXX XXXX did try to push this along. Much of the blame for these delays/requests were pushed to the mysterious " the underwriter '' who didn't seem to have the mental processing power to understand or comprehend the components of our application. We would have been fine if they ever just gave us a denial as a straight answer. Angel Oak is unethical and unprofessional and should not be allowed to offer mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?

Company response to consumer: Closed
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
N accordance with the fair credit reporting act XXXX  account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-07-06
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a car from peoples commerce i got sick an was one week behind i made arraignments to paid it up. XXXX XXXX took it upon herself to personally hit my debit card 3 times when my card is already has auto pay this company an this girl has been hitting my card 2 to 3 times a day when shes not authorized to do so I called 5 or more times XXXX an another lady in the office laughted bout it saying this is going to be funny.I never got to speak to a supervisor manager no came to phone or no one called back this lady keeps doing this I have asked her not to do this an she keeps hitting my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: GA
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 sent a letter in XXXX dated the XXXX requesting XXXX, Equifax, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX XXXX which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making XXXX, Equifax, and XXXX  follow the law and promptly remove the items I attached in the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called Navient to see what other options I may have in term of reducing the monthly payment. I know there is a process to go through after giving them all required information, to see what I qualify for. However, that process never begun because they wanted to know all the bills I had that they asked for. So I gave them all the information in terms of my monthly bills. After that, the representative told me, that they will will not go forward with this because I have to many bills, that I will be denied. what does this have to do with what my options could be. So basically, because I have to many bills, I do n't My income does n't reflect that, so they wont even help me out in terms what my options could be. Navient was very vocal to mention to me, that their not going to go forward with trying to see what I could qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.

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