BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management placed two collection lines on my credit report without providing me a chance to send a validation challenge. This was a brazen violation of my rights. 

I successfully got these lines removed from my credit reports as the documents that they presented ( eventually ) were clearly doctored and contained no identifying information that any of these lines were mine. This includes : lack of signatures, no ssi number, no birth date, etc. 

This company has now proceeded to harass me through XXXX XXXX XXXX ( their lawyer ) by threatening to sue me for an invalid debt, repeated phone calls numerous times throughout the day and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: FL
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:
My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in XXXX, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX XXXX XXXX that will confirm there were NEVER 60 day late payments made in XXXX for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
XX/XX/XXXX - XXXX opened an American Express Business card. At the time i was advised I would receive XXXX miles when I spend XXXX as long it was within the first XXXX XXXX. I was also advised I could access all American Express lounges at the airport. 

XX/XX/XXXX - I called to ask why I had only received a small portion of my XXXX  miles. The agent advised it can take up to XXXX XXXX XXXX XXXX to receive them all. I let her know that was not what I was advised a the time of enrollment. 

XX/XX/XXXX - XXXX tried to enter the XXXX American Express lounge at the XXXX airport with my clients there were traveling with me, as advised I could at the time of enrollment. The staff member let me know she can not let me in, I can only enter the XXXX XXXX  lounge on the other side of the airport. I spent over an hour with an agent on the phone that could not resolve this situation. I asked to speak with a supervisor. The supervisor advised her only recourse was to open an investigation that could take a few weeks. 

XX/XX/XXXX - I called to find out about my miles and the result to the lounge entry issue. The agent advised the investigation is open and there is nothing she can do for me. She transferred me to a supervisor who stated she can open an investigation for the mIles, because she sees that the code on my account states on XXXX miles not XXXX. As for the already open investigation, she advised the prior person was wrong that it can take up to XXXX as allotted by the CFPB regulation. 

XX/XX/XXXX - XXXX received a call letting me know they fixed the issue with the miles and all miles had been added. They also advised the other investigation was still open. 

XX/XX/XXXX - I called to inquire to the investigation as it had now been open for XXXX XXXX. Once against the agent couldnt do anything. I asked to speak to a supervisor again. This time the supervision advised the prior advisor was also wrong as well. The investigation can take between XXXXXXXX XXXX 

I can not get a consistent response or a resolution. They continue to extend their turn around time advising the last person was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase an RV. I wired money ( {$19000.00} ) to a JPMORGAN CHASE bank. The RV was not delivered. The bank said it can't help because I don't have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
3 Credit Bureaus have not been updating the correct information on my XXXX XXXX Account. 
Letter attach as proof no balance.

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 2015-12-21
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is lying about amount owed XXXX  XXXX to the therapy once you sign every time you show up I only signed for one visit after finding out he is a quack and running up a bill on a minor accident I dismissed the attorney XXXX XXXX and walked I was not hurt that bad as well his doctor not mine only supposed to get paid if win cas e IT WAS DISMISSED

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 2015-04-24
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 
There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. 
Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. 

If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. 
" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was at XXXX XXXX on XXXX XXXX Friday XX/XX/21 and around the time of XXXX I bought 3 drinks totaling {$44.00} from one of the bartenders. A couple days later I noticed the transaction was adjusted to {$240.00} on my banking statement. I never authorized nor signed for a {$200.00} tip and I remembered and identified the bartender who completed the transaction. I reached out to XXXX XXXX and informed them of this along with attaching images of the bartender ; and reached no response. I reached out to my bank to complete the fraud investigation and they also arent able to help me without the original receipt.

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 2021-03-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called SLS ( Specialized Loan Servicing ) and told them my income was reduced due to Covid-19. I asked if they have a Foreclosure Forebearance program. They said they would mail me some information. They never did. I also asked them who owned my loan and they refused to disclose it. They told me to write them a letter and ask who owned my mortgage and they would tell me in writing. I wrote to the address SLS provided asking who owns my mortgage and they never responded. When I log into SLS website they will not allow me to pay just my monthly mortgage ( {$900.00} ), they add on accrued late fees which brings the amount above which I can afford to pay ( {$1400.00}. ) The only way to pay just my mortgage ( {$900.00} ) is to send a check by mail which is slowed by USPS resulting in more late fees.

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 2022-11-06
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. However, due to a medical disease, I ended up having to remove my left eye on XXXX XXXX. Needless to say it was just a few days after I purchased the truck I became disable. I am now receiving XXXX due to XXXX, but I can XXXX XXXX. My initial car payments was originally {$840.00} due on the 25th of every month which was not a problem because I worked and I made the money in order to pay this but now I am on state XXXX, because of my XXXX, and. The finance company just keeps adding on the interest. My payments are not going down. I paid every week but none of my payments go anywhere and they do not try to work with you. I make weekly payments and its still not good enough for them. They said that I have broken payments but its not true and you dont know who to believe you talk to someone different all the time and everybody says something different. This is a set up for failure. They have tons of complaints. People complain about the same thing its not right that they can just do this to people especially when youre trying to keep the stuff that you purchase Then they say they send letters that I never get you cant see anything on the websites besides the payments that youve made and I pay for my bank account so I can see them but they dont make it easy to work with you they are very rude and they can care less. I am still trying to keep my car. I just wish somebody can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
I have had to freeze my account with experian on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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:
Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedNov XXXX Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusClosed. 
Status UpdatedMay XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeSales Contract ResponsibilityJoint with XXXX  XXXX Date XXXX StatusAccount charged off. {$220.00} written off. 
Status UpdatedAug XXXX Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX XXXXremove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXXremove above incorrect names, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX LOST XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY ***remove above incorrect addresses, not mine, FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011

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 2017-02-03
Company: WELLS FARGO & COMPANY
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received the attached document from Wells Fargo and know that I have no outstanding debt with Wells Fargo.

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 2015-12-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation