BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: M&T BANK CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: AMERICAN EXPRESS COMPANY
State: NV
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 am contacting your agency for assistance in disputing several transactions on my AMEX card account ending in XXXX and XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/19 XXXX   {$2500.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX  XXXX   {$2600.00} AMEX XXXX XX/XX/19 XXXX {$3900.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX XXXX  {$2600.00} AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have student loans through Navient and was seeking to resolve my loans. 
My school XXXX did n't fulfill the promise of certification and job placement after graduating. Now, I am just seeking not to payback the loans I have. My school XXXX has been re-named to XXXX located in XXXX, AL. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have previously expressed my concerns to the CFPB about Moneygram 's discriminatory policies against latinos & received several phone calls from moneygram assuring me that they would not select latinos for extra scrutiny when sending money back to our home countries. Today, I went online to send money & again moneygram refused / declined my transaction. When I spoke to the customer service department, I was told that there is nothing else I can do & that their system security has flagged me as a money launderer. Really? Is this because I am XXXX or because I send money to my family in XXXX? This is news to me, since I have a great paying job & make several transactions a month wiringsmall amounts of money to my wife & children in XXXX. This company needs to be shut down or be forced to pay a very large civil penalty for what they are doing to XXXX & people of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: M&T BANK CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: ND
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:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and XXXX credit report. Incorrect inquiries on my XXXX is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my TransUnion and XXXX credit report. Incorrect inquiries on my TransUnion is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Also XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You

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 2016-05-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX 2016, I made XXXX money transfers through Money gram from XXXX to XXXX, the XXXX was for USD {$5.00} to receive XXXX {$17.00} ( XXXX XXXX ) under reference XXXX, the second one was USD {$520.00} to receive $ XXXX XXXX, when I delivered this money I ask to money gram agent in XXXX that if there was a time limit to receive the money and also I if there was any a problem with the amount of USD {$5.00} and the teller told me that there was no problem. 
On XXXX XXXX 2016 the receiver and I went to Money Grams agent in XXXX and tried to receive my money and the agent named XXXX XXXX, we were told that we were not able to get the money because the transfers were blocked, and after two days of visiting XXXX offices from XXXX different Money Gram Agents and calling customer services phone it was impossible to have an agreement between Money Gram, the agents and me as the customer, on one side at money Grams customer service line they answer always was that there was not any problem to perform the payment that I was able to receive it when I want that I should go to another office and on the other side the XXXX different agents were not able to make the payment, finally at the headquarters of one of the agents ( XXXX XXXX XXXX XXXX XXXX ) there was a settlement between the agent and Money Gram customer support that the only way to pay me was to divide the transfer of $ USD XXXX in two different payments, but I would receive COP XXXX instead COP XXXX, because there was an extra cost for dividing the payment, finally I accepted because I was afraid to lose my money signing in the papers that I will submit a complaint ; for the USD {$520.00} transfer I received the money completely. 
After I received the money I submit a complaint through Money Grams web site, asking why they were charging me for dividing the payment, they answered me that the difference of the values was not for an extra charge but it was because they used the exchange rate of the day that was divided the payment which is under the rate when I delivered the money. 
The complaint is under case number XXXX since XXXX XXXX, Money Gram asked me some detailed information about which offices and agents I visited. I have asked about updates for this case number and they have answered me that the investigation is still under process, but after almost two months I am noticing no progress at all. 
From my point of view I have been a victim of the lack of communication between Money Gram with their agents and customers therefore I should receive the amount of money initially agreed, when I delivered the money. I did not request to divide me the money therefore I should not to assume difference of the exchange rate values, for that exchange rate deviation I received XXXX XXXX less than it was initially settled in our contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NY
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 2019-12-18
Company: EQUIFAX, INC.
State: TN
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'm in the process of getting a mortgage with XXXX XXXX. They could not get a credit report from Equifax. Equifax said my name was incorrect in their system which is not true. They said they fixed it and to have the bank call the business area. When they did they were told my address was incorrect. They still dont have a report. Also my XXXX XXXX score in the circle has remained at XXXX but the graph is XXXX which is correct. Also all my accounts are not showing. I have been asking this to be corrected since before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Zeller & Associates, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to get some tickets for a game, from XXXX XXXX. Seller claims that once I submitted the payment true XXXX. He will forward the ticket information to my email. And it never got the tickets. I call my bank to claim and put a stop payment on the transaction. And they claim that's nothing they can do since it's a XXXX quick pay. 
This is where the payment went to XXXX XXXX and e mail. XXXX Tel # XXXX. Also they give me this other email Okay his email XXXX his names XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a female minority, which is currently being suppressed from achieving the American dream by Transunion. Recently, my rental history along with other changes was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home and the opportunity to gain the best rates.

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I inadvertently transferred on line {$26000.00} dollars to my bank of America credit card instead of to my checking account. It should be noted that I had not used that credit card in probably over 1 year. When I called bank of America I was told it would be credited back to my checking account. I have called 4 times and every time I am told they are putting the money back in my account. When i spoke to a representative on Monday i was told i could write out checks and the money would be put back in my account by Thursday. The money is still not in my account after 19 days. I spoke again to bank of America representative today and now being told 7 more business days. They have repeated lied to me. Thank XXXX they tape the conversations so you should be able to document the lying. I want my money back.

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 2015-09-15
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to Midland Funding XX/XX/XXXX. Since this account was paid in full XX/XX/XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with Midland Funding showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and Midland funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money

Company response to consumer: Closed with explanation