BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working on securing a mortgage loan with Chase Bank online. I had started this process in XXXX in the downtown XXXX XXXX branch as I use to live there. 
I was informed on XXXX of XXXX that the guideline requires that my wife should have a 6 months of continued employment and documented previous experience. 
Since she had just returned to work on XX/XX/XXXX that we had to wait until XX/XX/XXXX to be considered. 
We waited until then. When I made an offer for another house, I started working with a remote office in Ohio which I was directed to by calling there toll free # online. My contact was XXXX XXXX- Lending Adviser NMLS ID XXXX. 
I explained to him the situation and that we had to wait for six months.

He contacted me after the six months wait time was up. He advised me that it is prudent to complete the application process and get approval prior to making another offer. I agreed and stated this process. 
I told him that its hard to find the right property while waiting to be approved. He said I can always make an offer while this process is completed. 
I found property on XX/XX/XXXX when a new listing was posted. 
I went to see the house and made an offer. The offer was accepted and I paid {$4000.00} Deposit Escrow to close in 30 days. 
I sent the purchase agreement to XXXX by e-mail only to receive an automatic reply that he is out of town for a week! fearing that I will be losing more than a week. I called and asked to get help from someone else. I was directed to another loan adviser her name is XXXX XXXX who was very helpful in following up helping upload more of the required documents. She charged me {$500.00} service fee?. 
When XXXX came back to work he called me and asked that I work with him. I uploaded more documents including an explanation of why my wife was out of work for 18 months. She had to immigrate to the US and we got married, had a baby She had to stay home to take care of. 
On XX/XX/XXXX he called and said Chase could not accept my wife 's income in consideration for this loan because she was working overseas prior to working here in the US. 
This was verbal and I asked to talk to someone else. I left messages for his supervisor and so far have not heard or gotten any written notification of rejecting my loan. 
I only have 12 days left Chase never followed up. 
I don ; 't know what to do. 
I will contact other lenders but my time is limited and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # 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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I went to XXXX XXXX with my children to celebrate my daughters birthday. I paid {$110.00}. When we arrived we showed up to the front desk and purchased wristbands. We were talking to their associate at the front desk for about 15 minutes after we already made a purchase because we were confused as to how it works. The associate didnt thoroughly explain so we just said wed figure it out. We walked around the entire place for about a Half hour trying to figure out what rides our younger children could get on. Not to mention the wait time that we had to wait to get on. They could only get on 2 rides by their self. While we were in line our son came to us and asked what else could he do? He played all of the arcade games already. We were confused because it had only been about 20 minutes. He said that a lot of the games were broken and a lot of the arcade games were exactly the same. We then went up to the front and We asked the supervisor if we could have our money back because our children could not get on any rides and we were unhappy about our son not getting any use out of his arcade pass. The supervisor straight up said no because we have been there for over an hour but in reality we were trying to figure out what our children could get on. He also mentioned that the arcade pass was very useful because there were over 60 arcade games when that wasnt true. I pointed out that a lot of his arcade games were broken and I also pointed out that there might be 60 arcade games but theyre all repetitive so in reality there is not 60 arcade games and the manager didnt say anything about that he just said we cant give you your money back. I was very distraught and my children were very sad because they couldnt get on anything. The signs were not clear. If they were we wouldnt have stood in line talking to the cashier 15 minutes after we already purchased the tickets be supervisor was very unhelpful throughout the whole ordeal and he wasnt willing to help us in anyway possible. I tried to dispute the charge with my bank and my bank Basically told me that I authorized the purchase when that wasnt even what the dispute was about. My bank accidentally put down my dispute was not as described. My dispute was about unsatisfied by services that werent rendered. they basically took the business side over mine. The dispute was about the services that we did not receive and the unsatisfaction of the experience

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. 

I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On the XXXX XXXX, 2017. I applied for a credit card in Santander bank, but i was denied because my credit score shows XXXX ( XXXX ). I am confused because I banked with santander bank and there is no way I can build a credit if i do not have a credit card.

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 2019-05-09
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: National Credit Systems,Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I wanted to know are you the owner of the original debt?

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account online on XX/XX/XXXX and I received a email asking me to submit a copy of my ID and social security card I had to apply for my social security card so I submitted my ID and my social security card when it arrived I submitted it on XX/XX/XXXX. On XX/XX/XXXX I received a email saying it was approved to call a number or go to a branch to fund my account so I called the number and nobody answered so I left messages with no luck. I went to the nearest branch to me and the teller asked for address verification. I logged in to my XXXX bill account online and downloaded the most recent statement. She said she couldn't accept it because it had a past due balance even though I showed her if was paid off and XXXX balance. She showed to the branch manager she said she had to send it to her district manager and will get back to me that afternoon. I never heard back from them. On XX/XX/XXXX I called and spoke to the branch manager again. She said to take her my cell phone bill So I went back. On XX/XX/XXXX and emailed it to her she said she could not accept it because it was month to month not contract. So i emailed her the new statement of my power bill again and she said she could not accept it because it had a previous balance on it. I explained to her that all the bills have a previous balance on them. She turned me away and she gave me her district managers number I called twice and left voice mails with no luck. I contacted the banker that assisted me with opening my account online and he called the branch manager who told him that I presented different documents with different addresses and could not verify my permanent residence and they were thinking of closing my account and terminating relationships with me. I told him they were lying because I showed them the power bills with the same address and it was proper address verification

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 2015-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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:
CFPB case XXXX did not process for XXXX and Experian could you please forward the case to them it did not show a case number for these to on the dispute, page timed out over and over

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 2019-05-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX - I talked to XXXX XXXX from Commonwealth Financial System : PHONE # :XXXX about a debt collection ( {$980.00} ) on my credit report that is not mine. I asked Mr. XXXX what this debt was about and why it was in collections. He told me it was a debt from XXXX ( hospital bill ) so I tell him I have not been to a hospital what so ever that it was not my debt. Mr. XXXX proceeds to tell me " well if it was identity theft a credit card or loan is more common not medical bills, why would some one use your s.s for medical ''. Mr. XXXX than tells me " well if its not yours, you have to file a police report '' ; so I said okay! I'll do just that. Mr. XXXX continues and tells me " you know if you're lying to a police you can go to jail ''. I'm offended by this point because he's either trying to scare me or calling me a liar. I did not take that lightly what so ever. No one should be accused of lying by any means by " debt collectors '' ect ... ... I know my rights as well. We were in a recorded line so I'd like that to be taken into consideration from the company to review the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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:
RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX  condition and my small claims form should them fail to cooperate and abide by the law.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success

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 2019-05-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in reference to an complaint already filed and closed ( XXXX ). I was not able to submit my feedback online due to issues with your website ( I assume there are notes on this issue attached to my account? ) I would like to submit my feedback including the fact that I feel it is unfair that I was not refunded the {$700.00}, when there are numerous examples of customers erroneously typing the incorrect phone number for cash transfers ( which was NOT the case in my situation ), but were still refunded in full by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not properly investigated the following issues on my credit report. Any claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ( initiated XX/XX/XXXX ). Please see items below ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT XXXXXX/XX/XXXX XXXX XXXX XXXX. XXXX CH-XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT COLLECTIONS XXXX XXXX  XXXX XX/XX/XXXX PAID XXXX XX/XX/XXXX {$95.00}

Company response to consumer: Closed with explanation