BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management Amount {$3000.00} I have been working on cleaning my credit. Midland Credit Management refuse to work with me. Its been over a year. I made payments on full balance and had to stop because I couldnt afford it. I offered to pay less monthly and they refused. Today I spoke with XXXX XXXX XXXX XXXX, who advised me I had been sued and the law suit has been dismissed. I was never notified of a law suit or a dismissal. XXXX XXXX advised I still owe the debt and he could only offer a discount of 15 % and therefore demanding {$2500.00} as payment in full, which I do not have. I made an offer of {$1000.00} and this was declined. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: PA
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:
I applied to JPMCB CARD SERVICES and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by JPMCB CARD SERVICES. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I obtained a mortgage with Countrywide in XXXX. I understand that they were sold to Bank of America. I finances condominium located at XXXX XXXX XXXX XXXX XXXX Apartment XXXX, XXXX XXXX CA XXXX. I was very young and inexperienced. In XXXX I struggle to maintain payments plus HOA fees plus lease on XXXX. My apartment was facing foreclosure. I started receiving dozens of letters and pamphlet in the mail. I choose one individual who ended up taking advantage of me, and I took him in XXXX XXXX small claims court. I won, then he treaked me again by negotiating those astronomical triple fees he imposed, while he filed an appeal. I ended up selling condominium in XX/XX/XXXX, 2 months before 2 year mark owning it. Countrywide overcharged me while I was struggling pay the mortgage. They piled illegal excessive fees on me. While I was behind on my mortgage payments Countrywide deceived me to pay astronomical fees. They inflated these fees. It was a class action against Countrywide filed by FTC in XXXX. I would be part of {$100.00} XXXX recipients, class members, but I haven't received notice because I moved. I was defaulting on my loan while Countrywide imposed inflated fees on me, ordered property inspections and other. While I had delinquency Countrywide was earning huge profits by funneling default related services through subsidiaries that it created solely to generate revenue. Countrywide jerked up cost of fees and services solely to make profit, and demanded from me to have these services while they were not necessary or appropriate while I was trying to keep my home.

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 2021-10-13
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has been contacted several times that the collection account that has been reported to the credit bureaus are fraudulent and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, XXXX, TransUnion XXXX XXXX / XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 2017-07-08
Company: EQUIFAX, 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:
I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, 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 2017-11-13
Company: ID Analytics, Inc.
State: OR
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:
On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. 

One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. 

Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: iQuantified Management Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, Please be advised that, iQuantified Management Services , LLC at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX ( phone # XXXX ) sent me a Collection Notice for {$1800.00} ( Eighteen Hundred US Dollars ) dated XX/XX/XXXX. This is for Client Named ; XXXX XXXX XXXX XXXX XXXX ( a/c # XXXX dated XX/XX/XXXX ). 

I am Resident of California, and have never resided in any other state. My Jurisdiction is California Only. I remember after my accident in XX/XX/XXXX, i was Hospitalized at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had XXXX ( on XXXX ), and qualified for Medi-Cal Benefits ( ID # XXXX issued on XX/XX/XXXX ). Until now! I was never informed of any pending BILL from ; XXXX XXXX XXXX XXXX XXXX ( client 's a/c # XXXX ). 
I have done some research for the COST of XXXX   services and XXXX info reads that Cost are less than {$500.00}. The Question is, WHY so much {$1800.00}?? Financial Extortion is  a criminal offense! Doesn't Medi-Cal reimburse for XXXX  services?? Also, WHY didn't a  California Collection company contact me?? I am NOT from XXXX, Colorado! This Collection BILL is way too, overstated vs the actual COST in question. 
We all know that the XXXX XXXX XXXX XXXX, XXXX, CA is under investigation for Penal Code : 550. They have been using POOR patients as Pawns to Fraudulently Bill the State of California for frivolous sums of monies! Medi-Cal benefits is a FREE benefit for qualified applicants under MAGI Program!  Logic tells us that, medical services is reimbursed at Cost plus a small profit Margin less than 100 % on Cost Value, and NOT at 200 % or 300 % plus values. Grand Theft from the state of California is a High Criminal offense! These people have been screwing the State for Millions of US Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Transunion allowed 5 Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and also by XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. 
I have written both companies twice on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.

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 2019-08-03
Company: WorldRemit Corp.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I visited the Worldremit international money transfer website and successfully completed two transactions in the amounts of {$98.00} and {$59.00} respectively to two recipients in XXXX. However, when I tried to log back into my account to make a third transaction, I could not access the website. 

I called their customer service number and spoke to an agent who asked me a number of their security-related questions. I thought some of them were ridiculous since I had successfully answered all questions relating to my identity, and explained why I was sending the money to those individuals. I further explained that it was not the first time I was doing so, that I had made scores of remittances to the same people in the past through XXXX and XXXX XXXX. I wondered why they were more concerned about me being scammed than I was since the money was mine. 

I concluded my argument by suggesting that they might want to consider including all those questions on the form that customers must fill out in order to send remittances. It did not make sense, I argued, to hold up transfer requests just because they did not like the answers to verbal questions they ask customers over the phone. I concluded my argument by suggesting that they consider including a two or three step verification process that will further weed out scammers or thieves and ensure the security of genuine customers because only they would know the answers to the verification questions. 

In response the agent I spoke with said I would not be be able to send any more money through Worldremit. When I asked why, she directed me to an email that was sent to me but that message also failed to explain what exactly I did to warrant being permanently banned from accessing their services. Was it because I criticized their security protocol? If so, what did that have to do with the actual process I obviously followed in order to successfully complete the first two transfers? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Tower Loan of Mississippi, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits 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 2019-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX  XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined. 

XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction. 

XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX  XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Cstone Mortgage Inc
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
He reached out to us unsolicited, offered an interest rate without disclosing the APR alongside ..and he is also not licensed in Kentucky ... so he is unlicensed and solicited business in a state where he is not licensed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over 60 days ago I disputed an account with Transunion that was not originated/established by me. I am a victim of Identity theft and TransUnion has a certified copy of my police report on file that was also taken under oath. 

That said, Transunion sent me a new report .... not a full report stating the account with XXXX XXXX XXXX Account Number XXXX had been deleted. I trusted them and assumed the account was removed. However, I recently pulled my credit and discovered the account is still on my credit.

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