BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
A transfer was not available as promised with the reference number of  XXXX  using  MoneyGram c ompleted on  XXXX / XXXX / 2017 .  XXXX  in  XXXX   XXXX  proceeded to pick up the transfer and had problems. He was told to contact me and have me call in  MoneyGram  at  XXXX   XXXX   XXXX . Today  XXXX / XXXX /   2017  I called in and spoke with a female customer service representative that stated she would do a refund which was not my request. I told her I did not call for a refund. I called to have the error fixed with the recipient picking up his transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Ashfield Management Services Inc,
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is in follow up to complaint  XXXX . Since filing that complaint,  XXXX   XXXX  has called my place of employment and left a voicemail advising me to contact him regarding " a complaint against me ''. This call was placed AFTER I called and told him not to contact me further and tried to give him my bankruptcy attorney 's information which he refused.  XXXX  reports that he works fo r Ashfield Management Services at   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. This call was in blatant violation of the FDCPA and I am now owed {$1000.00} for this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
( The above is the confirmation number on the results of my dispute from equifax -dated XX/XX/XXXX ) What Happened : A XX/XX/XXXX bill from XXXX XXXX that I do not owe was placed as an collection item on all of the Credit XXXX XXXX XXXX. I successfully disputed the debt, having ask that the debt be validated, which they can not do. 
Then around XX/XX/XXXX the debt was was re-inserted to the credit reporting agency.s I received NO notice of this re-insertion. I only found out late in XX/XX/XXXX by checking credit karma as I was thinking of buying a car after the XXXX of this year. I immediately disputed with Transunion and Equifax. I received notice last week that Transunion has removed the item from my report. Equifax just sent notice that they were not removing the item. Please advise Equifax of the rules on re-insert and have this item removed. Please let me know if you need any additional information. 
I have attached a copy of the XX/XX/XXXX, reply from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I HAD A COUPLE OVERDRAFT FEES CHARGED TO MY ACCT THEY DID A REVERSAL DO TO A COMPANY ERROR AND I DEPOSITED THE MONEY FOR PENDING TRANSACTIONS AND NOW I GOT ANOTHER  XXXX  OVERDRAFT FEES FOR THOSE SAME TRANSACTIONS.. THEY WILL NOT REVERSE THEM. SO I GOT CHARGED  XXXX  FOR A  XXXX  DOLLAR  XXXX  'S   XXXX   AND A  XXXX  DOLLAR LIFE INSURANCE PAYMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / 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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  's client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX  A dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  Trans Union. A formal dispute was sent electronically to Trans Union   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   Trans Union  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  an d Trans Union.

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 2015-06-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The problem is that every time I try to get information on my personal credit report, such as when I tried to use " XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Unlimited Progress Corp
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX / XXXX / XXXX  I was treated at,  XXXX   XXXX   XXXX , an ER at a hospital in  XXXX   XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance  carrier  information,  XXXX  of  XXXX , PA, as well as my policy number.     I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with  XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc.     Today,  XXXX / XXXX / XXXX , I learned via my  XXXX  credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless  ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around  XXXX  of  XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied.     Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections.     I can be reached at  XXXX  or at  XXXX  XXXX  XXXX .     Thanks you fro your assistance in this matter.

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 2016-06-13
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
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: Problem getting your free annual credit report

Complaint:
I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hello, On  XXXX   XXXX ,   XXXX   I applied for a home equity loan threw  Pen Federal cr edit union.   the request was for  XXXX  at  3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since  6 weeks had gone by. I asked If they already ran my FICO  score and she replied yes. At this rate I had no option but to wait for the offer.     On  XXXX   XXXX ,   XXXX   I receive a written offer for  XXXX  for 180 months at  4.99  percent.   I refused immediately. My FICO score is  XXXX . I have  XXXX  house with  XXXX  remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years.     In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor.  Pen Federals  website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons.     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 non-monetary relief
Consumer complaint received 2015-03-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My card was with CapitalOne. I received a letter in the mail around XXXX ; unfortunately, I am just opening this letter now. I have been going through some family emergencies and health issues, and unfortunately, I missed the deadline and my account automatically closed without my consent. I had XXXX reward miles that I could redeem. I called Capital one on XX/XX/22, and they told me I couldn't access my statements or redeem my awards because my account was closed. I spoke with XXXX employee ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    XXXX   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 monetary relief
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 've spoken with Transunion by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     C redit Inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA   XXXX     XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   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 2021-12-31
Company: MARINER FINANCE, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Texas branch reported my loan account 30 day late. It is reporting on CRA for XX/XX/2021 as 30 days delinquent. XXXX XXXX is branch manager at XXXX XXXX Texas location. I spoke to her today XX/XX/2021 at XXXX in regard to Fair Credit Reporting Act statue - Duty to Provide Notice to Customer, Timing of Notice and Format of Notice. I asked XXXX XXXX if they notified me in writing no later than 30 days after furnishing the negative information to CRA. She replied XXXX. She stated No notice was mailed to me regarding this negative information reported. She also stated she was not familiar with fair credit reporting act and stated she would not remove negative information even after learning she violated the FCRA. In accordance to FCRA she has violated my rights by failing to uphold the Duty to Provide Notice to Customer, by not adhering to Timing of Notice and Format of the Notice and this has caused me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has with no explanation blocked me from calling writing a letter or online to check or dispute my credit report they keep telling me its not there problem. And when I confronted them by phone on hard inquiries the did n't have any information on the inquiry other then my name with it no social security number or date of birth they are letting companies check report without proper proof I asked them to check my report they will not fix the problem some of the companies I contacted didnt even have me on file I even applied for credit ever, and some companies I try to find are not even a company and the number on the reports for the companies are disconnected and they will do nothing about it.

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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.

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