BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-28
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent a Western Union transfer to an employee from my business account. The employee is in XXXX. The transfer went out to XXXX. The place where the employee is XXXX XXXX. When he went to pick up the money, he could n't get it because he is in XXXX XXXX. I called Western Union and they claim that they ca n't do anything but to cancel transfer, and I have to wait 1-7 days so that the hold can get off account before I can get that money to sent again. This is an emergency and I do n't understand if they are Western Union why does it have to be so difficult to change the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
On XX/XX/2020 my vehicle loan with KIA MOTORS FINANCE was paid off in full, after the loan was paid off. KIA MOTORS FINANCE decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX XXXX and XXXX the Charge off. 
On XX/XX/2020 I contacted KIA MOTORS FINANCE of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 KIA MOTORS FINANCE again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of KIA MOTORS FINANCE misrepresentation reported to the bureaus.

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 2020-08-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
In XX/XX/2018, XXXX XXXX numbers got compromised on Synchrony Bank 's end and even though I never lost my card, the bank went ahead and replaced it with a new card that had a different number which was okay. A month later I noticed Synchrony Bank reported the replacement card as a different account on all my three major credit reports, while listing the cancelled card as a closed account. This is a huge mistake since I only opened and signed for one XXXX XXXX with Synchrony Bank and they should only report a total of one account to the credit bureaus and not two. I had other cards issued by Synchrony Bank replaced due to fraud and never reported twice. 

I attached a picture of my XXXX  credit report as of today showing a clear duplicate listing of my XXXX XXXX and that's how it's listed on the other two 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
Consumer complaint received 2017-08-09
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid these companies the money I owe them but they refused to delete the collections off my credit report after they agreed to. I received letters stating that the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Direct Express debit card that my XXXX benefits are automatically deposited to and I purchase things occasionally online with it. In XXXX I purchased a swimsuit with it that I never received and I also had 2 charges that I did not recognize, 1 on XX/XX/2020 for {$12.00} and another on XX/XX/2020 also for {$12.00} both of which I had no idea what they were for so I called them and started a dispute. I did everything that I was supposed to do but for some reason they did not find in my favor and they closed out the dispute leaving me to try to resolve the problems on my own. Well so far I have had no luck contacting the company that I ordered the swimsuit from. I have 2 telephone numbers but neither of them work. And the company that the other 2 charges were from claimed that I joined some VIP membership club with them when I placed an order with their company but when I asked them to provid me with copies of where I agreed to become a member they said they would refund my money. But so far they haven't done so and that was at the XXXX of XXXX. I feel that Direct Express did not do their job when I filed my dispute with them about these charges on my card and they just left it to me to try to resolve them. They told me once closed a dispute that there was nothing else that they could do and that I would have to contact the merchants myself. Now how am I supposed to do that when they have no working telephone numbers andvthey won't answer any of my emails except to tell me that I applied for a membership to their cup club which I did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07
Company: Midwest Recovery Systems
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company Midwest Recovery Systems put a collection on my XXXX credit report, that had been previously removed by XXXX when it was found to be fraudulent. I contacted them at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Apparently they were hired by a company called XXXX, whom apparently wound up with this debt. The last payment by whomever was reported XX/XX/2013, and as I stated this has already been determined to be fraud and removed by XXXX, so how can it now be put back on because some company goes out buying debts, fraudulent or not. There is a report on file with XXXX County Sheriff 's Department, they told me to get it and send it. I live in NH and am XXXX. I told them they gould get it under the freedom of information act. 

The original company was XXXX XXXX who is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Each day they call over 5 times a day, today XXXX XXXX with Synchrony Bank has repeatedly hammered my phone. I have phone records of each attempt made. Not only have they harassed they have went above and beyond the fair debt collection practice.

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 2020-08-08
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to contact IC systems regarding a debt from XXXX XXXX XXXX. The reference number is XXXX the representative and I agreed on a settlement amount of {$860.00}. I explained that I would pay once a letter was sent to my email stating that the account would be deleted once paid, They insisted that i pay first then they would send me a letter once they reported it to the Bureaus. I explained i was not comfortable paying without proofs of the agreement we had verbalized, They insisted that it was against the company policy, and refused

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 2016-07-21
Company: Rent Recovery Solutions
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CCB/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that keeps reporting on my credit monthly like I owe them a utility bill currently which is killing my credit score and I have not lived in Iowa in over seven years so the reporting time is incorrect because this bill has been on my credit longer than seven years and they keep selling my information to another collection agency and then they start over from scratch again I find that to be illegal and unlawful to keep messing up someones credit for utility peel that Im telling them I did not have. The landlord who is staying there at the time is now deceased so I cant rectify why utilities were still on in my name at the time that I was not living in the unit

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 2016-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. 
Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. 
Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. 
I ask for your assistance in this matter. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Hilco Receivables LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account off in XXXX, Three years later I received phone calls & threats demanding payment. I have already paid three times what the appliance cost. Now they have a collection agency taking me to court sueing me for payment. The court date is XX/XX/XXXX. I just recently discovered USA Discounters was sued in XXXX, how can they make me pay twice for the same product. I moved from the address USA Discounters had on file. I did not receive notice of the lawsuit filed against USA Discounters. I did not keep my paper work for the products I purchased in XXXX. Multiple states have sued them for consumer fruad, abuse dept collection and deceptive advertising. The court date is XX/XX/XXXX in XXXX VA. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is allowing a fraudulent account to remain on my credit report. I have submitted all of the required documentation to support the fact that the account is fraudulent. I have also contacted the company XXXX XXXX XXXX XXXX who told me that have no record of the account. I asked Equifax who told me that XXXX has verified the account and I asked them to send me information or provide documentation of the verification, Equifax representative told me they do not required XXXX to provide anything, and that they simply verify by giving Equifax there word that the account is verified. Equifax has not investigated this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I placed an order online on XX/XX/21, the amount for the product was the wrong amount. I immediately reached out the company ( XXXX ) who was little to know help. I then filed a claim with BOA on XX/XX/21 to get the funds back. BOA let me know it could take up to XXXX days to hear back. Within that time Ive been in contact with cricket via email and message. Where they admitted I was owed a refund and money would be dispersed back through my bank. After waiting the full XXXX days BOA has now closed the claim and refused to give me my money back. Even though I have proof in writing from the company that the money is owed to me. This is almost {$XXXX} of my money, that Ive been waiting months for. I thought BOA was suppose to protect me, not so much.

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 2020-08-08
Company: U.S. BANCORP
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit cards and debit cards were used for cash advances at XXXX XXXX in XXXX ca for over XXXX. U.S. Bank will not look further into the transactions because they state the embargo chip was present during purchase. 
My cards are unsigned and voided and the merchant still took them against VISA regulation 1.4.3.4. I spoke to the merchant and even did a test transaction with a someone elses id, and signed no and they still gave me XXXX dollars. Blatant negligence in protecting the consumer.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries on my report I do not recognize

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 2016-05-17
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting Ch XXXX Bankruptcy on my credit report. This has cause me to be denied credit every time my credit is ran. This is not fair because I paid all my creditors with my retirement fund instead of filing a Bankruptcy. When I lost my job I inquired about ch XXXX but never entered into the chXXXX and I have a letter stating " Dismissed before Confirmation ''. I will attach the letter from the court and he letter I sent Transunion request it be removed. I this is defamation of character.

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 2020-01-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The department of Education approved income based repayment plan for me. 
{$20.00} per month for year 2020. 

However, Navient company notified to me past due of {$850.00}. And also {$94.00} for XX/XX/2020 and then {$99.00} for XX/XX/2020. 

I don't understand which one is the right amount of payment. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CMRE Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was given an amount for 2 accounts that were open and set up payment plan. Person stated the accounts were combined. Sent money and payed off in XXXX. Still receiving calls and mail when credit report shows everything has been payed. Can't get correct amount of money owed because it's been going on so long and the customer service for CRME doesn't know anything about it, they just go off what's currently on the computer screen.

Company response to consumer: Closed with explanation