BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( XXXX XXXX, XXXX XXXX XXXX ; Swift Code : XXXX ; account # XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX  XXXX XXXX  ).  Both XXXX XXXX ( intermediary account to which funds were sent ) and XXXX  XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. Details : Funds were transferred via Western Union on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX  XXXX account ( sender 's account from which funds were taken ) to the XXXX account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from XXXX ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account with XXXX. Companies Involved/Steps Taken : Western Union : funds transferred from sender to receiver 's intermediary account through Western Union wiring service ; they stated that they are unable to refund funds that have already been deposited XXXX XXXX  : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX  XXXX and say there is nothing they can do on their end XXXX  XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to XXXX and say there is nothing they can do on their end. They have also refused to reach out to XXXX on my behalf or engage in a conference call, even though employees have done this before for me. XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with XXXX, so they can not initiate or reject the transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Started the short sale process on XXXX/XXXX/XXXX and sent to the bank on XXXX/XXXX/XXXX XXXX Bank confirmed package and broker price opinion was requested by bank on XXXX/XXXX/XXXX, XXXX Broker price opinion was completed today XXXX Bank asked for the agent to do another broker price opinion this was completed and sent in on XXXX XXXX XXXX bank stated they now want the buyer or seller to pay for and order an appraisal at the cost of {$400.00} I was also informed that the first Broker price opinion came in at XXXX, the next Broker price opinion came in at XXXX, I also sent in 6 comparables to the bank. XXXX XXXX seller agreed to pay for an order a licensed appraisal to dispute the first broker price opinion that has no license. 
XXXX The appraisal came in at $ XXXX, the offer amount is for $ XXXX XXXX/XXXX/XXXX Bank stated they would consider an offer at XXXX Leaving the seller no resource except to have to go through the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Resurgent Capital Services L.P.
State: AZ
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 had an account with XXXX XXXX XXXX XXXX XXXX. When I got my last statement, I asked company to verify some charges that I did not recognize on my statement, and credit one was unable to verify. At that same time, I had received information saying that my credit was compromised so the charges were fishy to me. 

I requeted that XXXX XXXX send me information that this account officially belonged to me and that I had agreed to it. They did not respond to my request. They then unlawfully transferred this debt to XXXX XXXX XXXX at XXXX. I did not give permisson for my personal informatinon to be handed over to this other company. This company has been harassing me and calling me during off hours and at work while I am tutoring students. 

This company, LVNV Funding-XXXX is now being reported on my credit report.-reference number XXXX is really not fair, given the circumstances. I never gave permission to XXXX XXXX to release my personal information to a company that I am not doing business with. 

I've already made several payments to XXXX XXXX XXXX, who is working with LVNV Funding to process their payments. However, I don't think it's reasonable and fair for me to continue to make any additional payments continuing the circumstances involved. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. XXXX is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 2022-07-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Jenkins, Wagnon & Young, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
In XXXX of XXXX a citation was attempted to be served to XXXX XXXX XXXX, my mother, and again in XXXX XXXX - the citation is not signed but the officer showed it was served ( with only XXXX attempts instead of the required XXXX prior to leaving citation on the door - I am assuming because XXXX was unable to answer the door ). The law firm filing the lawsuit was XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, Texas XXXX. No further action was taken and in XXXX several attorneys working for the above law firm left that firm and set up an operation under Jenkins, Waggins and Young law firm also located in XXXX and a copy of their judgement is provided for address and contact information. Their phone number is XXXX XXXX XXXX and XXXX is " the '' person that talks to people there. There was no action taken on the original suite from XXXX XXXX up until around XXXX XXXX wherein the new law firm represented that they were authorized to file a judgement and that they were representing the law firm under the original citation ( XXXX, XXXX, XXXX and XXXX ) even though they were not according to that law firm and in addition, they filed without giving notice to the estate of XXXX XXXX XXXX whom had died almost 19 months prior to their action to file for judgement. I believe that the timeline for filing motions for any debts is within XXXX year of the time of death. There was no notification to the estate of the debt and there was no probate or administration for the estate as the value of the estate is none. The collection efforts are at best deceptive and unfair - there was - these folks were not the people who issued the suit originally and are attempting to collect on an old citation that the original debt collector says they no longer are working. The firm did not serve any additional citation or notification to the address or to the estate or even individual prior to the judgement action - so there was no opportunity to validate or defend the debt. And there are possible leches concern, statute of limitations on the suit. In addition, the address on the citation and judgement is incorrect, they filed that judgement action after the XXXX year timeline allowed for collection of the debt AND attempts to call and discuss the situation with them has not been received well. They refuse to discuss the situation with me but spend a great deal of time gathering data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXXXXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2017 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to Wellsfargo Bank using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent Wellsfargo a notice to cease and desist and a notice to validate the debt which they have failed to abide by. Wellsfargo Bank is now civilly and criminally liable for violating my consumer rights. Wellsfargo has yet to resolve 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 non-monetary relief
Consumer complaint received 2022-11-09
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:
World finance has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX 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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB Professional! 

I have applied for and on XX/XX/2021 I was successfully approved for a CHASE Freedom XXXX XXXX XXXX What made me go with this card is the specific promotion which states the following ( I have screenshots saved for this purpose so I am quoting ) : " Earn 5 % cashback on grocery store purchases up to $ XXXX spent in the first year. '' Fast forward I was denied this benefit without notification or explanation. I contacted the bank via secured messages on XXXX and after 10 days, on XXXX I was given an answer that I am simply not getting it. There was no explanation offered whatsoever. After that, I called the bank and spoke to the account XXXX named XXXX. He refused to tell me his ID number or identify himself in any way but his name. He told me that different customers get different benefits. I asked him if this situation reminds him of the bait-and-switch tactic used by used cars salesmen and he just agreed. He took my complaint and then admitted that it goes nowhere and no resolution will be offered. He told me that this situation is final and the bank refuses to do anything about it. Period. 

I find this situation outrageous and ask for you to step in and help me navigate this situation. This is a false advertisement, a bait-and-switch tactic that is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA REVERSES MERCHANTS CREDITS. see attatched XXXX card XXXX  statement XXXX MERCHANT CREDIT XXXX XXXX  ** THREE MONTHS LATER REVERSED see attatched XX/XX/XXXX card end XXXX   statement XXXX XXXX (SECURITY ADJUSTMENT OF) CREDIT REVERSAL XXXX ** NEW PURCHASE I DID * NOT AUTHORIZE. USAA STEALS MERCHANTS CREDITS. ONLY ONE CREDIT CAN APPLY** THE MERCHANTS THEN IS REVERSED.  IT IS THE ONLY CREDIT APPLIED. (FUNNY WHEN I DISCUSS THIS WITH USAA FRAUD DEPARTMENT WE HAVE TECHNICAL DIFFICULTIES OR I AM HUNG UP ON. USAA STEALS   MERCHANTS CREDITS.)

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.

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 2019-12-24
Company: Cedars Business Services, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/19 at approx XXXX XXXX  MST, I called Cedars Business Services to ask who " XXXX XXXX XXXX '' was and spoke to XXXX XXXX. XXXX said this company also goes online as " XXXX '', I believe. I was afraid to go online to research them. 

I've NEVER done business with this company, nor have ever used their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Bread Financial Holdings, Inc.
State: SD
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 found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: FL
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:
XXXX  is incorrectly reporting a charged off account where I am shown as an Authorized User with Chase Cards. I have already called Chase to tell them I never gave permission to be on this card and this tradeline was removed from XXXX  and XXXX  but XXXX  has never corrected this reporting error.

Company response to consumer: Closed with non-monetary relief