BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Tried to resolve this with Chase Bank directly, but it did not work. I opened my credit card statement to discover a new " TRANSACTION FEE '' on my card. When I clicked on it to view more details, there was nothing. For all other transactions, it tells you all the relevant information : IDs associated with it, the vendor, etc. With this, there was XXXX. It's almost like they were hiding it. When I called them, they immediately told me it was because they recently decided to start charging for using XXXX with my card. They did not warn me of this, help me to understand this ahead of time, and if they did in any way, it was not sufficient communication. If it was, I would have stopped immediately. The fact that the online interface hides all details is proof they don't want you to know. They're super eager for you to know about other vendors that may be fraudulent, but not them, not themselves. They play by different rules where they hide and give you no recourse. 

Mind you, this is a NEW fee on existing behavior. The burden is on them. 

In total they have charged me {$120.00} in fees in the last year or so. I demand they do the right thing and refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2023-01-23
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom it may concern : Re : Deceptive marketing Ambiguous responses Misrepresenting Benefits On XX/XX/XXXX I entered an Apple Store in XXXX, XXXX  to purchase an XXXX. I had no intention of applying for a credit card. As I was getting to pay for my new phone. The sales associate informed me that if I had good credit I could qualify for a card with 0 % interest for 12 months. The response will be immediate, and I can repay earlier. I received an instant approval and the phone was charged to my new credit card. The total balance was {$1200.00}. On XX/XX/XXXX, I went to make a payment of {$240.00}. I then noticed the balance stated that interest would be accumulating in the account as of XX/XX/XXXX if the total balance due was not paid in full. I immediately contacted the customer service department, and they notified me that I qualified for % percent interest, but it will be on a 24 monthly installments set amount. I explained that I wished to pay as the original advertisement was made at the store. I preferred a 12 month 0 % interest with the ability of me deciding how much I pay monthly, and not in a 24 monthly installment plan. The representative told me that was not possible. When I asked for the terms in writing, he said I can only get a reply in writing if I used the text feature ( Please see attached ). The conversation was ambiguous and I didnt not receive a clear answer. I would not have done a credit inquiry nor open an account have I been given the correct terms. This company is misrepresenting benefits and engaging in deceptive marketing practices with the goal of getting a consumer to open an account. I ended up paying the account in full. However, had not been in a position to due so I would have been forced to keep a 24 monthly installment plan. Please look into these deceptive marketing practices. I wish to close the account without any repercussions on my credit score. Thank you in advance for your attention to this matter. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This debt is for a table that I purchased. When I received the item, the table was missing the legs. Multiple times, I attempted to return it, the company said they would pick it up but never did. Flash forward some time later, the payments were past due because they didnt retrieve the item and it wasnt what I ordered ( this was online and not from a store ) so they started calling me threatening that they will damage my credit and or take legal action against me. I again offered that they pick the item up as they had agreed to sometime before and they still never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection reporting on my credit for XXXX services that I never used. I do not recognize this account or the details mentioned. This information is inaccurate and does not belong to me.

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 2023-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A series of 8 fraudulent atm and debit card transactions occurred on my USAA checking account between XX/XX/XXXX thru XXXX, 2023 totaling {$1700.00}. I received no fraud alert from my bank due to these fraudulent transactions and did not become aware of the charges until reviewing my checking account activity on XX/XX/2023. When I became aware of the fraudulent charges, I immediately made a fraudulent charge claim. The charges were initially credited back to my account on XX/XX/2023, while they were investigated by USAA. After investigation, USAA decided the charges were not fraudulent and withdrew the credited funds from my account on XXXX XXXX. When I enquired about the investigation and how they came to their conclusion I was told I would need to file a police report, which I did and provided to USAA. Another investigation was done with the same outcome. I have requested reasoning as to why they have come to this conclusion and was eventually a week later provided with a list of the fraudulent transactions with no reasoning. I have contacted their fraud department a number of times now trying to get any actual reasoning to their conclusion and have not been given any reasoning. This should be an open and shut case, the checking account in question is a secondary account and primarily only used for online bill paying. My transaction history clearly shows the debit card in question was only used a handful of times a year. I suspect my card was cloned with a skimming device on XXXX XXXX, 2023, when used for a parking meter as that was the last time my debit card was used prior to the fraudulent charges. At no point during their initial " investigation '' or reinvestigation did USAA contact me to get an account of the occurrence or ask for any information I had. Additionally, the results of their investigation are not even internally consistent as they did determine one of the 8 charges, the smallest one, that occurred at the same relative time and place as several of the other charges to be fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 Mr. Cooper advertised that if you had financial troubles you could get a deferred plan to not make mortgage payments for 3 months with an option to extend to 6 months if needed. The monthly payment plan would increase from {$550.00} ( approx ) to {$640.00} ( approx ) per month to cover insurance and tax payments ) The remaining mortgage amount would then be deferred to the end of the mortgage date. 

I agreed this was the plan I desired. My forbearance plan was for XXXX, XXXX, and XXXX of 2022. 
When my end date approached, I tried to resume my mortgage payment but Mr. Cooper would not accept my payment unless I paid the full amount of the last 3 months ( approx {$2100.00} ). 

I informed them this was not the plan I agreed to. Talking to XXXX at Mr. Cooper today she informed me that the deferment had not been applied for, thus I owed this money at the end of the forbearance plan. 

I had received ABSOLUTELY no information on this and had been assured in XX/XX/2022 that everything was complete. 

I feel the company misrepresented the information that was provided to me and believe this may be a scheme to foreclose on my property to harvest the equity ( approx {$28000.00} ) from my home, although I can not prove this, of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-30
Company: EQUIFAX, INC.
State: SC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: DISCOVER BANK
State: TX
Product: Credit 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:
Purchase a wedding dress from XXXX XXXX XXXX in XX/XX/2023. In XX/XX/2023 when the dress was due to be delivered, we found that the store had a note on their door that they have been shut down due to not paying the rent. We then received an email from, the merchant letting us know to contact the designers warehouse to find our dress. Once I contacted the designer warehouse, I discovered that the money that I had paid XXXX XXXXXXXX never paid that towards the dress. I then had to find another XXXX and pay full price for the dress and have it delivered to them. I had made a payment of {$1400.00} which was never applied towards the balance of the dress. I then had to pay an additional XXXX to re-purchase the dress and veil. I had forwarded both the original receipt from the boutique that closed down as well as the receipt where I had to re-purchase the dress because it was never paid for. I then was able to get an email from the merchant stating that I did make the payment, I did not receive the merchandise and I was due a refund and Discover still saying that it is a valid charge him or not take that charge off of my card. I am basically paying for a charge that I did not receive any merchandise for. This made national news when XXXX XXXX XXXX XXXX affected several Brides for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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 have had multiple hard hits to my credit in the last couple of weeks and I have not applied for and new lines of credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Students Come First
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
StudentsComeFirst reached out to me to ask if I was interested in being apart of an income based plan for loan forgiveness through their company. They would pay off my current loan provider, XXXX, after I payed {$340.00} dollars to them within the first month of XXXX. After 6 months of {$340.00} dollars my payments would go down to {$100.00} dollars a month. They took the money out of my bank account but I have no information on them or a way to access my account. I called XXXX, and there was no information that Studentscomefirst is paying off my loan through XXXX and coming to them. I called XXXX and they gave me this number and website. I want to stay with XXXX because they are a trusted company for my federal student loans. I don't see a payment of {$340.00} paid towards my student loans so I do not know where my money is. I tried calling the StudentsComeFirst company but no one answered and my call isn't returned. I signed a document allowing StudentsComeFirst to take over and make direct payments to my bank account on XX/XX/XXXX. The person I spoke to was named XXXX XXXX but the name wasn't recognized when I called the StudentsComeFirst company. I am very scared I being scammed and I want to stop payments to them but am unsure how to do so with signed information I gave them. I want to stay with XXXX and cancel this StudentsComeFirst Company. Please help me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A.R.M. Solutions ( California License No. : XXXX began robo texting me XX/XX/2023 at XXXXXXXX XXXX regarding a debt owned to them by a company named XXXX. I am not XXXX and owe this company no debt so I replied STOP to end the texts. I then began receiving calls from A.R.M. Solutions. They call and ask to speak to XXXX. I reply that I am a private citizen and am not XXXX nor am I responsible for XXXX 's bills. They keep telling me they will take my number off the account but the calls still come. Yesterday, XX/XX/2023 at XXXX XXXX  I was home sick and received another call from A.R.M. Solutions asking to speak to XXXX regarding a debt. I informed the person I was done with their lies to remove my number and that I was filing a harassment complaint with the FTC. 
I want these calls to stop. A.R.M. is perfectly capable of using XXXX to contact someone with XXXX in order to have this debt paid, yet they continue to call and harass me. The persons calling me have promised multiple times to stop calling me yet they continue. I would like a copy of all the records of their calling and harassing me so I can pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: URS Holding, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX .... Balance : {$5000.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company XXXX XXXX which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX with Transunion, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The letter was sent at the beginning of XX/XX/2018. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.

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 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX is reporting a date of first deliquescency as XX/XX/XXXX but is also reporting the same date as paid. Factually it can't be both and they refuse to fix it. They have verified the inaccurate information over and over. I have contacted the creditor and they said EQUIFAX is reporting the information wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had been attempting to pay online after the account was about 60 days past due during the month of XXXX. However, due to Covid the company , XXXX XXXX, also known as Bridge Crest had certain departments closed and had forwarded my account in advance to their special debt department. I called several times to inquire on how to pay since my account t had been closed and blocked from online payments, only to be told that I would have to speak to another department. During these calls I attempted to make a payment and the collections department refused to take a payment without speaking to an agent in the specialty department. On one call the agent stated that she was new and didnt know how to inform me to pay. After an hour on the call she stated that I would need to negotiate my payments but would need to call back in order to do so. In the first week of XX/XX/2021, I called in again after noticing that the account was showing additionally delinquent in which it should not have. I once again had to argue and go back and forth and after an extended period on the call they finally allowed me to make a payment. Two weeks later I received a credit monitoring notice that the vehicle was a charge off as bad debt. On the call with the agent this was never explained to me. Additionally the debt was behind, but now where near 100 days. I asked specific questions on the phone and I was fraudulently lied to. I feel that the company acted in fraud and in doing so broke the law. Additionally I feel that the individuals and the company failed to meet their legal obligation and instead discriminated against me due to their hatred for me as an individual that use to be employed there. Furthermore, when I worked at BridgeCrest the CFPB regulations were violated without question and I am 100 percent certain that this is another circumstance of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reported XXXX inquiries not made by me XXXX XXXX XXXX XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach

Company response to consumer: Closed with non-monetary relief