BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
MoneyGram refused to process my online payment and closed my account without explanation. My XXXX hired a XXXX  XXXX  in XXXX to provide online lessons. She requested to be paid via MoneyGram. This is my first time using MoneyGram. I signed up for an online account and attempted to send {$60.00} USD in payment. Not only was my payment denied, but my account was closed without explanation. This is weird, because my credit score is close to 800, and I have experience sending money through XXXX, XXXX, XXXX, and XXXX without any problems. There was no attempt by MoneyGram to ask for additional identification or have me clarify any details. This makes it difficult to pay the coach, because she doesn't use the aforementioned services. I contacted MoneyGram customer support and the employee asked me a couple of basic questions, such as " Have I met this person in real life '' and " How did I meet this person. '' I told her she gives lessons over the Internet via XXXX and I found her through XXXX where she had submitted her resume. I was only sending a tiny {$60.00} USD. There was no need for alarm bells. The employee told me that the payment had been denied, my account closed, and this was irreversible. I asked for the company mailing address and the registered agent for the State of Oregon ( a requirement to do XXXX  in the state ) and she refused to provide this basic information. Later that night I drove to Walmart and sent {$120.00} payment via MoneyGram to the same person, XXXX XXXX, without any problems ( I paid her for today 's lesson and prepaid for next week 's lesson, since the fee was the same ). The reference number is XXXX. MoneyGram was happy to take my payment and charge me a fee in person, without any issues, but they refused to process my payment online and closed my account without explanation. Does that make any sense? The fee in person is also {$4.00} higher than the online fee and it cost me time and gas to drive to Walmart, potentially exposing myself to the coronavirus. I went onto the XXXX  website and saw similar complaints to mine. MoneyGram currently has an F rating. A lot of people are experiencing problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Verisk Analytics Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE SENT SEVERAL LETTERS TO XXXX DISPUTING THE VALIDITY OF THE XXXX  THEY ARE REPORTING ON MY CONSUMER FILE AND REPORTING TO OTHER XXXX AND XXXX. THEY KEEP SENDING GENERIC LETTERS BUT NO PROOF OF THE VERFICIATION. THIS IS MAKING TO DIFFCULT FOR ME TO PURCHASE A HOME AND CAUSING ME TO PAY XXXX MORE IN INTEREST EVERY YEAR. 
THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: FIRST NATIONAL BANK OF OMAHA
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have an citi credit card. I was under my credit card limit. The finance charge at the end of the month put me slightly over the limit. I was charged a {$39.00} fee for being over the limit. I did not feel that this was fair. The finance charge is what put me over the limit. I should not be charged an additional fee for a finance charge of {$39.00} because it puts the card slightly over the limit. I talked with a Supervisor named XXXX in the Florida office. She said that it is in the XXXX page agreement. I asked her where in the XXXX page agreement. She said that she had no idea, because it is XXXX pages long.I asked her how is a consumer supposed to know where this is or if it even exists when the supervisor does not even know. She said it is not her job to know the XXXX page agreement. I was surprised because she is the supervisor. 
This sounds like Usury to me. How can a company charge a fee on top of a finance charge. The bank is making money on the finance charge. That is what I agreed to. It was not a purchase that put me over the limit. It was the finance charge. That is a pretty good definition of XXXX. This supervisor was not able to tell me where this was allowed in the XXXX page agreement. I am not sure that it is allowed or even exists

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage in XXXX and my mortgage was set to end pmi in XXXX, I called to have it removed. I was told that because I was I. Forbearance they extended the date automatically to end pmi five years later. I explained to them that the forbearance does not change the terms of the signed agreement. They said it does and would not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.

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 2015-10-15
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Robo-signing is illegal and has been outlawed in the State of New York. I have discovered the Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 

Fay Servicing is trying to unlawfully claim ownership of the mortgage using a robo-signed Assignment of Mortgage. 

On XXXX XXXX, 2007 XXXX XXXX was [ n ] ot an employee ( Vice President ) XXXX on that date. XXXX XXXX was also showing to be an employee ( Vice President ) of XXXX Bank, XXXX on XX/XX/XXXX, 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The Service company for my mortgage has repeatedly audited my escrow determining shortages two years in a row and will not provide documentation to explain the shortages. They do not return phone calls and emails. Fay Servicing keeps changing the account representatives. Managers do not return phone calls or emails. Twice I have been put into forced-place flood insurance when they did not renew with the provider and it has resulted in my payments nearly doubling. Because the property tax and insurance is paid from impound escrow holds, I do n't even get to see when and where these payments are made. I have asked to stop impounding for these payments and they refuse. My original loan with XXXX has been sold once or twice and the servicing company has also changed. I have never had any problems with the previous service company ( XXXX ), but I continue to have issues with Fay Servicing. I have asked them for the name of the previous flood insurance provider so I can switch the insurance back to that company from the forced-place and they refuse to provide the name. I have also requested the name and contact person for the note holder and they also refuse to provide that information. I have been hospitalized multiple times in the past few years and the XXXX Fay Servicing causes me is overwhelming. During the past two years after Fay Servicing has claimed shortages and my monthly payments have increased, I requested information to determine why there are shortages and they refuse to provide me the answers. I do n't even get a call back or response until I hold back making the payment. Once the payment is deemed to be late, only then do I get any response. Instead of getting me the detail I request, they have harassed me with multiple calls and correspondences and add late fees. This company does not work in good faith or with any sort of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paragon Revenue Group has been repeatedly harassing me. I have contacted them numerous times to settle this debt but they refuse to work with me. They have harassed me at work, told me I need to get a second job, and hung up in my face. They will not work a payment plan out with me despite the fact that I am a single mom working full time while in XXXX school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX Account xxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX  Account xxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I used to have a business credit cards in name of my Company " XXXX XXXX XXXX XXXX '', I owed {$12000.00} to Wells Fargo back then in XXXX. I filed for my company 's bankruptcy, sent a letter to Wells fargo regarding it. Wells fargo did not respond.

The two credit cards were ending in XXXX and XXXX There were some assets back then and were distributed to the creditors accordingly by the bankruptcy court and Wells fargo missed it as they did not respond to the notice by court. Now they are coming after me saying that I need to pay that debt which I don't owe. 

that was a business debt and the business filed for Bankruptcy. 
( Please see the proof of service of the bankruptcy court attached ). I don't owe anything to Wells fargo and if they still disturb me like this I will have to file a lawsuit in XXXX XXXX XXXX Court.

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 2020-04-03
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020, President Trump signed the Coronavirus Relief ACT, which stopped all student loan wage garnishments for 6 months. ECMC continued to garnish my wages after the law went into effect. They owe me a refund of {$5.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, ECMC must cease and desist further garnishments and stop automatic withdrawals from my bank account per the Coronavirus Relief ACT.

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 2017-05-23
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX   XXXX ,  2015 {$6 70.00} Money and a whole lot of stuff was stolen from me at this address. Put my 30 day notice in and was on a month to month rental agreement. Charges are ridiculous as I went to   XXXX   XXXX   and repaired part of the same thing and was only  XXXX  dollars. The carpets were not changed out. As I have experienced putting in carpet before. They said the carpet would be put in, a lot more day 's and hours than needed. What, the company did or is trying to do. Is charge and fee me for the new carpet to be put in. For another tenant. I never got the new carpet put in when first moving in. As, I know this could and can be done in one hour. The company has put this, matter into collections and has damaged my  credit score and  credit scores. A free country my opinion, a slum lord.

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 2016-02-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been disputing the incorrect fraud things on my credit I XXXX  XXXX  say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing

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 2016-09-24
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. 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 2021-10-28
Company: Bread Financial Holdings, Inc.
State: GA
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:
There are numerous inquiries on my account affecting my credit score. XXXX  XXXX XXXX did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: CA
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:
I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Informative Research
State: CA
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:
On XXXX/XXXX/XXXX I gave permission for a credit bureau to check my credit. for a home loan. When the loan was looking like it was n't going to go through due to my credit report. I pulled my report to find this company did another hard inquiry that I did not approve of. Then to find out its listed as miscellaneous. which in turn looks worse. I contacted the company which they never once returned my call or tried to help. instead I get put on permanent hold and or the call gets " lost ''. 
the company name is : 1 ) I R XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: SLM CORPORATION
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation