BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I make a Money Transfer by Western Union from XXXX to XXXX XXXX. I receive a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$180000.00} - american dollars ). So I receive two checks : one of {$100000.00} and other of {$80000.00}. 
The problem is that when I deposit these checks in my bank accounts XXXX XXXX Bank XXXX the bank refused the check of {$100000.00}, saying that the check does not have founds and close my account and hold this check for many days. When I receive the checks back I try to talk with the Western Union, but I do not receive any answers or help even trying to talk with different agents. The XXXX XXXX Bank refused the check too. 
I would like to take my money in cash as soon as possible. I am waiting for a solution for about 3 weeks and I can not wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Patient Accounting Service Center
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received bills for my coinsurance with XXXX, but I am in the XXXX XXXX XXXX ( XXXX  ) Program and can not be charged for coinsurance and copayments. I called where the other bills were coming from, and they took care of my bills and charged XXXX  for them ( since XXXX  pays my coinsurance. ) she said she would take care of the one that went to the collection agency, but I still am receiving bills from them for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end

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
Consumer complaint received 2016-09-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month. 

XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. 

We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). 

In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
I received a credit card from state employees credit union when i was a college student. At that time when i was in college i was poor and had a poor knowledge of how credit worked. I grew up in a family where financial literacy was not taught and they affected my knowledge and ability of how to utilize credit and pay it back. So while i struggled to pay the interest payments back i got behind and couldnt keep up. Once i got behind on the payments they closed my credit card. I fell on hard times and lost my job so i couldnt make the payments they wanted me to make so they closed and charged off my debt. I called to initiate a settlement and or a cheaper payment but they would not accept it. And after they wouldnt accept it they placed a negative remark on my credit profile and that negative remark has effected me for years to get an apartment in nicer places and from getting a decent interest on a car. I feel i have suffered long enough especially since I have tried to settle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.

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 2017-05-22
Company: Duncan Solutions, lnc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a voicemail from someone claiming to be from an attorneys office. Saying I would be served a summons to appear in court over regarding a lawsuit. So when I call back the number they provided XXXX the person was rude and trying to rush me to settle out of court saying it would ruin my credit score. They had personal information such as my name last XXXX of my social and address available. The debt they claimed to be mine was no where to be found on my credit report so it is not a valid debt. I am concerned that this is most definitely a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Hello good day sir / madam, I would.like to make complaints about american express credit card.I received a letter from.amex that i can refund my flight ticket and travel insurance and waive the fee, however when i spoke their representatives and supervisor they want me to charge for XXXX dollars cancellation fee even though i recw3 a letter from them. Attached a letter from amex that i am able to get full refund without fee or penalty. 
They cancel my flight because of covid 19 virus pandemic. 
I hope you can help me in this matter Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
A tree fell on my car and XXXX my car insurance company paid the car off but credit acceptance put my account in collections anyway, I had the insurance company pay it off

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 2022-05-05
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719tXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-02-28
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, an account from Sequium Asset Solutions for XXXX XXXX was added on to my credit report. It was in the amount of {$930.00}. I tried to dispute it through XXXX  several times but they said all of the information on my credit report account matches the information on the account from XXXX XXXX, so they can not take it off my report. I can assure you that I have never set up an account for XXXX XXXX or anything else that Ive disputed off my account. I would like to take this step and any other necessary step that I can to get this account off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )

Company response to consumer: Closed with explanation