BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The tracking number ( MTCN ) is : XXXX. 
Amount : XXXX USD. 
Date of Transactions : XX/XX/2020. 
I sent money to a bank account in XXXX, and till now the money didnt get in the receiver bank account and i have the receiver bank statement proof that the money didnt get in the bank account, and I contacted with western union customer service a lot of times by calling and chatting and mailing and still my issue didnt solve, and I contacted also by phone with supervisor and I told him that i made a refund case # XXXX and he told me that the money will refund in 2 business days and till now nothing changed ( after that case I escalated many cases and still my money didnt refund ). 
If you please I need to solve my problem and refund my money. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Delbert Services
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company XXXX ( AKA Deliber Services ) is reporting to the credit agencys that both companies are servicing the loan. 

Making it appear that I have XXXX loans instead of XXXX. 

My account has been " sold '' between both companies since it was opened. 

The loan terms violated FL state statue in terms of the amount of interest charged during the loan terms. A complain was filed with the Office of the Attorney General. The State of Florida has also filed a Court case pending a decision in the district court of appeals. Case # is XXXX. 

The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, 2016 I went to the Western Union @ XXXX XXXX XXXX XXXX, XXXX, GA XXXX ph # XXXX @ XXXX. The agents name was XXXX XXXX who transferred money he had not reviewed the tape yet, therefore, I called Western Union customer service at XXXX from transaction # XXXX for {$800.00} from XXXX XXXX XXXX in NJ. While I was there a female customer was too close for comfort ; so. I turned around to see what she was doing. XXXX XXXX was counting the money so when I turned back around he gave me the money without doing a recount for its trustworthiness. I left the store and went to XXXX XXXX a few blocks away and came home without buying anything. I counted the money the XXXX XXXX had given me which was {$700.00} short by {$100.00}. I called the store back and made an appointment to review the store 's security tape @ XXXX, but due to a transportation problem I need to go earlier around XXXX. XXXX XXXX said no, but he would call me back at $ XXXX. He called me and said he did not review the tape but, would call me the next. This happened again, but he would never review the tape to clear up the error. After least XXXX calls I ask for his manager 's name which was XXXX @ XXXX. He too has given has put- off since XXXX/XXXX/2016. I called today on XXXX and XXXX and XXXX the agent referred me to their website @ https : //www.westernunion.com/us/en/file-complaint.html # GEORGIA to file a complaint by state. This directed me to the Georgia Dept of Banking and Finance more, which redirected me to CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: LendUp Loans LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received call from debt collector stating that an attempt to collect a debt. I politely required an invoice to be mailed to my house with instructions on how to pay. She declined and stated that the acts they get people do n't even know they have them and that she had no further details to offer me. I have not stayed at that apartment she stated in over 5 yrs and that I had no problem paying the money if I truly owed them by providing proof of what the debt was for? She stated I was " staling ''. Which if the representative stated that most debt they have people do n't even know they have it, how can people pay something they do n't even know that they 're suppose to pay?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Submitted a claim for disputed transaction charge from my debit card with Chase Bank due to an illegal charge from company XXXX for {$480.00} on XXXX XXXX, 2016. This ticket company XXXX has violated their charge policy regarding selling of ticket. The ticket price was {$800.00}, and since XXXX did not accept a " Credit-Card entry '' ticket for XXXX concert, this company charged my debit card {$480.00}, even though their policy clearly states that they can only charge XXXX % off the ticket price ( XXXX % off {$800.00} should be {$160.00}, instead of {$480.00} ). XXXX refused my dispute, and only provided refund of {$120.00} instead. Thus, I had to dispute the transaction directly with Chase Bank, but the claim was recently rejected on XXXX XXXX, 2016 and the temporary credit is now removed. I actually work for Legal Department at Chase Bank and reviews all the legal CFPB complaints on daily basis, the charge by XXXX was clearly illegal and violated their policy ( stated on their website ). Please provide your assistance in order to refute the rejected claim, so we can come to a resolution and return the charge back to my debit card account. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX to delete inaccurate or no verifiable information from my credit report. 

1. XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2. XXXX XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3. XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

4. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

5. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

6. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

7. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

8. XXXX XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2016-12-19
Company: United Student Aid (USA) Funds
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.

Company response to consumer: Closed
Consumer complaint received 2017-03-03
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. 
The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.

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 2015-07-25
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is my XXXX complaint against this company in the past 2 weeks. After I made contact with them on Thursday XXXX XXXX and verified my contact information information, they still proceeded to contact my cousins today ( whom I have n't talked to in years ) looking for me and even left XXXX of them a message stating that she is from Northstar and trying to collect a debt. Is n't this ALL illegal? This company is relentlessly breaking the law!

Company response to consumer: Closed
Consumer complaint received 2016-03-08
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a cease and desist of telephonic communication on XXXX XXXX, I did NOT make any promise or pledge to make any payment arrangements. They sent me a letter lying about my communication to them and stating that I had made an agreement to pay them. This is a violation of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 2016-08-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.

Company response to consumer: Closed with explanation