BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/XXXX, I noticed a collection for XXXX  for an old XXXX account.  I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount  of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX  datedXX/XX/XXXX  stating I owed more money. Another $XXXX. I contacted XXXX  and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX  said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX  for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX  denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX  refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX  said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : Experian : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

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 2019-03-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX. As I've gone through the accounts and collections listed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. 
Thank you

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 2018-07-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX which is reporting a collection acct to all XXXX credit bureaus on XX/XX/18 requesting debt validation and also inquiring why multiple companies are attempting to collect on the same debt. After 30 days with no response or acknowledgement I sent a second request for status on my debt validation letter. I still received nothing from XXXX XXXX. On XX/XX/2018 I received a letter from Resurgent Capital with a copy of credit card bills. My FDCPA rights were violated as I did not receive proper/accurate debt validation as well as it was not within the 30 days. I have submitted numerous request to the company as well as the credit bureaus attempting to resolve this issue with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX, XXXX, I received a notice from Midland, claiming they were considering a lawsuit against me, in regard to an alleged account with " XXXX XXXX/XXXX ''. I contacted Midland, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from Midland, dated XX/XX/XXXX, during that 30 day period. I contacted Midland again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America- XX/XX/2018- Check Fraud Dear Dispute Center In the month of XX/XX/XXXX I was actively looking for employment through various outlets indeed, XXXX, XXXX, and ect. In the month of XX/XX/XXXX I finally received a text from an employer regarding a posting position for a real estate firm. Attached to this letter you will see the following information. I posted different properties onto XXXX, XXXX XXXX, and a few ads. In order for me to receive payment the employer requested my address and other information to process a check. Once I sent him the information he supplied me with a tracking number to receive my funds. Once the check arrived I contacted the bank that the check was made out to XXXX XXXX XXXX bank over 20x. Attached to this letter you will see the highlighted contact number of XXXX XXXX XXXX bank on my phone records. I have contacted both the local branch here in XXXX XXXX, NV { ( XXXX ) XXXX attached to this letter is also a print out of the XXXX XXXX XXXX XXXX XXXX branch contact number }. After contacting the branch a representative supplied me with the check verification line number at ( XXXX ) XXXX which I contacted over 20x and each time I was told that the funds were there and available. After getting the verification from the check verification line I even went into the branch located on XXXX and XXXX in XXXX XXXX, NV with both the envelope that the check came in and the check and told the clerk the situation. She told me not to worry about it and proceeded to deposit the check. 

Best, 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 2020-08-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I previously filed a complaint with your entity but the bank did not address the specific account that is at issue of this complaint. Please reinvestigate this matter with the new attached information I was the custodian of a account for XXXX XXXX the account number was XXXX. The account had some of my personal funds in the account. Wells Fargo closed the account without my authority. I asked Wells Fargo of proof of who closed the account so that I could prove to social security that I did not confiscate Mr XXXX 's funds. I also wanted my personal funds returned to me. I filed a complaint and they failed to rectify the issues. The bank has not addressed this account in their response. My phone number 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 monetary relief
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: HI
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:
In XXXX, XXXX, British airlines canceled my flight to XXXX. They refunded the costs on XX/XX/XXXX of {$430.00} and {$630.00} for a total of {$1000.00} back to my Chase Bank credit card. Back in XXXX, XXXX, I had canceled my Chase credit card, which has since been purged by their bank. On XX/XX/XXXX Chase Bank sent me a letter, after talking to them on the phone, that they sent the funds back to British Airways. I called British Airways and they said they refuse the money and sent it back to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It may concern, I XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, help me I do not want to be thrown out on the street with my family. 
Yours truly, 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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For months I have been disputing items and the credit bureaus are lying about items on my report without proof.

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 2020-11-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Can I have child support go through my bank account, please?

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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: MA
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:
JPMCB AUTO, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've been out of work since XXXX of XXXX I have a vehicle with credit acceptance I also co signed with them for a vehicle for a friend which they are not paying I know being that I co signed I am responsible but XXXX XXXX XXXX  which I informed them they sent me a letter an email that until XXXX XXXXthey will not atempt to collect the debt nor will they report to the credit companies an they did late payment for 2payments I've called numerous times about this an basically told me it's there nothing they can do or will do I contracted covid XX/XX/XXXX on XX/XX/XXXX the letter I received end date XX/XX/XXXX the amount is XXXX for two months this is for the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.

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 2018-07-13
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synopsis : Barclays has negatively impacted my credit score by  reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error. 

Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect. 
> XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points. 
* Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}. 
* She assured that my auto payment for XX/XX/XXXX would come out automatically. 
> XX/XX/2018 * Payment of {$60.00} posted. 
> XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX. 
> XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error. 
* She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018. 

Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.

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 2020-07-21
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: Personal information incorrect

Complaint:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

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 2021-02-23
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A ) XX/XX/XXXX - pre-approval from Quicken Loans for VA loan financing up to $ XXXX {$900000.00} B ) XX/XX/XXXX - property under contract for purchase offer of {$690000.00}, option period of 14 days, fee {$350.00}, ( end XX/XX/XXXX ) C ) XX/XX/XXXX - travel accommodations booked, home inspection purchased D ) XX/XX/XXXX approximately XXXX central time, received notice from Quicken Loans that underwriting can not qualify applicant for purchase amount. 
E ) XX/XX/XXXX - XXXX central time, phone resolution discussion with Quicken Loans who admitted income was not properly vetted during pre-approval process and complaint filed with Customer Relations. 
F ) XX/XX/XXXX - XXXX pacific time, resolution from Quicken Loans, proposed reapplication timeline for financing would result in option period expiration with potential for further losses ( XXXX XXXX XXXX  ) without guarantee of financing secured for contract. 
G ) XX/XX/XXXX - XXXX pacific time, client relations offer to refund {$500.00} application deposit, refusal to compensate for additional financial loss due to improper vetting for pre-approval Amplifying information : I am filing a complaint against Quicken Loan. I received pre-approval after going through initial underwriting for up to $ XXXX $ XXXX and made a purchase offer under the pre-tense of qualification. Just prior to close of option period on home purchase, Quicken Loans notified me that I did not qualify for the VA loan due to an issue presented that my spouse 's income no longer qualified due lack of a confirmed job offer to area of the new primary residence. At no point prior to this were we notified that this would disqualify us for VA loan finance. No new material financial information was provided or updated from initial pre-approval/underwriting. Home inspection fee, option fee, travel and accommodations had already been booked/executed by the time we received notice and were unable to be cancelled or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Checking account closed without notice, fund was on hold. Called customer support many time and went to branch to submit my ID and supporting document. Customer support has verified the document is legit and have requested for fund release. Got letter from executive office that my fund is still on hold with suspected fraud when I have provided all the documents and my identity was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I believe Wells Fargo makes the payment process very difficult and tedious in order to generate late fees. I don't think their process is intuitive and their technology is outdated. Setting up recurring payments is notoriously difficult.

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 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I was denied an American Express Card.  Under the federal law Civil rights of 1866 section 1981 this is a federal law prohibiting discrimination on the basis of making and enforcing contracts.  American Express did not provide a suitable reason to deny me access to their credit card.

Company response to consumer: Closed with explanation