BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer for my wife to a friend of hers in XXXX ( XXXX ) yesterday. The receipt said the money would be available immediately but when her friend went to pick up the funds, he was told they were not available. This is a person she knows well personally ( She went to a village in XXXX as a XXXX  from our church  every year over a period of several years ). She was not asked for money, it is something she wanted to send to friends she knew and traveled into the Bush with on several occasions. This was unsolicited and something she wanted to do for people she worked with when she went there. 

When her friend went to pick up the funds ( he had to travel several miles to get to XXXX ), he was told the funds were not available. I was NOT notified in any way that the transaction would not go through and the first I knew was when my wife 's friend called ( he can not really afford to spend money for long distance calls ) and left a message on our house phone that they would Not given him any funds. I was NOT notified in any way that the transfer would be a problem. 

This is FRAUD!! They offer a service and then will not give that service. 

I spent nearly an hour speaking with Western Union employees (  supposedly supervisors-two ) and the long of the short was they were not allowing this transfer to go through

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
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 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 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 2015-06-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: U.S. BANCORP
State: VA
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:
When I tried to redeem points XXXX Fidelity told me I had changed my monthly redemption date on XX/XX/XXXX. So they let the old date ( the XXXX ) run thru a cycle before starting my new date? So since XX/XX/XXXX ( my new date ) redemption will be XX/XX/XXXX? Not Fair, No redemption on XX/XX/XXXX ( 30 DAY from old date ). This is how they avoid ( delay ) paying points. SLEAZY

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 2016-07-08
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good Morning, I have done an international wire transfer ( {$2200.00} ) from my account in Bank of American on XX/XX/2019 to my account in XXXX XXXX, XXXX and never received the funds. I have done the same operation in the past and never had any issue ; this information is saved in my online bank of america transfer website and I never changed it. 

I have contacted both banks many times and have not been able to resolve the issue. Bank of America initially used the wrong codes and then corrected them after the swift message was checked by XXXX XXXX ( please see attached ). XXXX XXXX  never received the funds and I tried to recall it but am not able. Bank of America has contacted their investigator but they are not able to located the funds. This amount was deducted from my account but I do not know where the funds went and Bank of America said that the case is closed and basically I have lost this money. 

I appreciate if you can advise on what I should do. I have not provided any different information as I provided in previous successful wire transfers and I do not see I have done anything wrong but I have lost this money so far. Thank you, Sincerely, 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 2016-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: MidAmerica Mortgage Inc
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The bank is putting a future date and time on receipts for loan payments. 

I went to the Fulton Bank drive through on Saturday, XX/XX/2020 at XXXX XXXX and gave the teller a check for {$230.00}. Of that, {$110.00} was for a XX/XX/2020 payment and the remainder was for an XX/XX/2020 payment. The teller provided a receipt with the incorrect date. The receipt was dated XX/XX/2020 at XXXX XXXX The paperwork they provide should be accurate. Otherwise, its fraud, having the effect of allowing the bank to collect additional interest from the borrower and giving the bank several hours on the morning of XX/XX/ before they consider the money as deposited so that if someone goes to the ATM Monday morning, the money would not be considered in the account yet. 

I told the teller the date was inaccurate. She responded by telling me it wouldnt be counted as late, but that did not address my concern of having an incorrect receipt from a bank. 

The radio button options on the consumerfinance.gov website do not always align to the specific situation, and I hope the agency will add a fraud or other option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is reporting incorrectly a collection/chargeoff in the amount of {$5000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and this account was paid. There is no outstanding balance due. I have attached a copy of my insurance card for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2016-06-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I submitted a request to transfer funds from my Paypal account to another person 's Paypal account on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a notification from Paypal that the funds were transferred. I contacted Paypal on XXXX to ask why it took 7.5 weeks and I was never notified they were holding the funds. The rep apologized, said that was not their practice but could not explain why this would occur and suggested I send an e-mail to their Compliance Department. I did. No response. I called on XXXX and XXXX, with each rep saying I should have been notified and would look into it. I called on XXXX and requested compensation for the holding of the funds, the lack of notification and the lack of any response to my e-mail and phone calls, I was told the case is closed and I would be better off going to the Attorney General. 
Although, I am not out the funds I feel the practice of them holding funds for 7 weeks and their lack of notification should come with some penalty. Please advise if this is an acceptable practice. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted for short sale review on XXXX/XXXX/2015 The interior BPO was completed on XXXX/XXXX/2015 resulting in a value of {$110000.00}. 
We called Ocwen XXXX/XXXX/2015 and spoke with XXXX id # XXXX. This representative advised that the file was denied as Ocwen wants to net {$110000.00} ( meaning they want to net more than the actual property is worth! ) We requested a copy of the denial letter as well as a copy of the BPO. On XXXX/XXXX/2015 we spoke with the negotiatior on the file XXXX XXXX and it was confirmed that they are requesting a net of no less than $ XXXX- The negotiator stated the only option would be foreclosure or DIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Their investigation did not fix an error on your report

Complaint:
~In XX/XX/XXXX, I submitted a request to have deletion of unverified information ( XXXX XXXX removed from my account XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information from XXXX was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. ~In XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. Thank you for your time and assistance with 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 2015-11-23
Company: Consolidated Management Group, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was called by a collector but they refused to give me an address or the representative 's last name. They threatened to prosecute me for fraudulent activity and had information from a loan with " XXXX XXXX XXXX ''. The payment was over double what I had borrowed. They also said someone was coming to my house to deliver a " package '' after calling my employer and daughter for my address. I was intimidated and knew I did owe money so I released my personal checking information and authorized an immediate {$500.00} withdrawal and {$380.00} installments biweekly for XXXX more installments. They refused to send me anything in writing and said I would have the transaction ID. I only have a toll free number and was informed the company was located in California. Do I stop payment on the next installments? I am very uncomfortable and fear this is a fraudulent company. Nothing about the lending institution or collector is on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I am under XXXX XXXX XXXX for almost 2 years now. The 2 accounts from Capitol one were negotiated by the above company and settlement amounts were agreeded upon. XXXX XXXX XXXX pays them each month. The bills will be payed off in XX/XX/2019. The amount you show owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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  credit card company keeps placing old and duplicate information on my credit reports

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