BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/23 I attempted to book a hotel room at XXXX XXXX in XXXX XXXX, Utah online. I thought I was on the XXXX website but was actually on a third party website. The room was supposed to cost approximately {$190.00} and that was the price I was shown at checkout. However, once the transaction went through, it showed that I was charged an additional {$100.00}. 

I immediately called the number on the receipt to dispute the charge. That is when I learned that I was dealing with a third party. The person on the phone said the additional {$100.00} was for fees that were listed in the fine print and said the transaction was non-refundable be ause the room was alrwady booked. I canceled the transaction anyway and then called the hotel to make sure the booking was cancelled. 

I called Chase, my bank and credit card company, to dispute the charge. I told them that I was charged a higher amount than what was shown to me. While it took a few days for Chase to act, they did suspend the charge and opened a dispute. However, on XX/XX/23, I received notice from Chase that they considered the transaction legitimate and I was responsible for paying it. 

I am filling this complaint with the CFPB because the transaction was clearly fraudulent. I was shown one price but charged another higher price. I acted immediately to attempt to cancel this charge and bring it to my bank 's attention. Chase did nothing to advocate for me or protect me and is now saying that I have to pay {$290.00}. I hope the CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX  and Transunion.

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 2018-05-15
Company: Experian Information Solutions 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 have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
So I get credit card offers in my chase portal so called pre approved and was also receiving it in the mail and then I applied and got declined ... and still getting their offers in the mail they just put a hard inquiry on my credit report for nothing. 

While XXXX even without offering they told me before i could get approved without some benefits and was still able to decide on if to harm my credit for this one. 

ITS ABOUT TIME TO CHANGE THIS WAY OF CREDIT REPORT ATTACKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is a complaint against the company Coinbase. On XX/XX/2022 I had {$200000.00} removed from my Coinbase wallet without permission. Once I tracked down where the money had been moved to, I was made to believe that the money was being used to mortgage mine and the profits would be available to me on XX/XX/XXXX. I watched as my profit grew and on the XX/XX/XXXX I attempted to remove my profits, another $ XXXX. I was told I needed to add another $ XXXX in order to be able to withdraw not only the profits but the amount that had been stolen initially. I have given them three days to return the money and have seen no progress. I have screenshots to document the entire process including the address that initiated the entire process of stealing my money. Coinbase allowed my money to be taken by the hackers without me ever given permission. I hired a company to track down where the money had gone and they tracked it through to the XXXX XXXX. The institution that was supposed to protect my money decided to earn money from their valuable consumer loosing it. I wasn't even given the chance to refuse this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: JPMORGAN CHASE & CO.
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:
I am the vendor of a software company. A customer purchased our software using a credit card issued by JPMorgan Chase Bank N.A. - Debit. 

The customer agreed to our refund policy that stated no change of mind refunds, only if the software does not work as advertised. This is clearly listed on our order form. 

A few weeks later the customer opened a dispute saying the product was not as described. They never contacted us about any issues with the software, and we have thousands of other users who have not had any issues and we know the software has been working fine. 

I even tried to email the customer several times when I was notified of the dispute and they never responded - not once. They clearly just wanted a refund and against the refund policy they agreed to when they purchased. Again, the software has been working fine for all our other 1,000+ members. 

All of this information was provided to the bank when a charge-back dispute was filed and the bank sided with the customer. Not only are we out the money the customer purchased with but also a {$25.00} charge-back fee, through no fault of our own. This also puts a bad mark against our business name with Stripe - again when we have done absolutely nothing wrong. 

I am not going to let banks keep getting away with breaking the law and tarnishing businesses reputation in this way just to satisfy their customers so they are happy to keep spending on their credit cards. 

If the bank can not provide me with real proof of the issue the customer had with our software, then this is nothing short of fraud being allowed by the bank. 

I want this charge-back reversed and all fees returned to me asap. 

Transaction Date : XX/XX/XXXX, XXXX XXXX  Customer Email : XXXX Customer Name : XXXX XXXX Payment Method : VISA XXXX Amount : {$290.00} USD Seller : XXXX XXXX XXXX Description : Purchase of Messenger Robot ( Yearly ) Disputed on : XX/XX/21, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022, Transunion I have obtained a letter from XXXX. The letter states that XXXX obtain address that is not on my credit report. 

The fair credit reporting act clearly states that a consumers credit report must be accurate. 

I have attached documents for your review. Please reinvestigate this public record match with 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 non-monetary relief
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is reporting incorrect credit score information about me and/or is profiling against me in that processes in references to credit scores. I have been placed in a category based on a model that is erroneous. Its effecting my ability to get the appropriate rates and/or its erroneous.

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 2023-12-06
Company: CUSTOMERS BANCORP, INC
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/2023 I contacted Proceed Financial to cancel a loan I obtained for dental work that I was to have on XX/XX/2023. They said I would need to contact XXXX XXXX XXXX to cancel the financing. I told both parties I did not want the loan because I didnt feel comfortable paying ahead of time before I had the procedure. XXXX XXXX was very reluctant to cancel and even tried to push the appointment up before the XX/XX/XXXX due date of the first installment. I just received an email stating that I am responsible for a 5 % fee of {$240.00}. I am not paying a fee for a service I never received. I asked them several times to cancel the loan and I have never in all my life been charged such a fee. Its bad enough that I am dealing with dental issues. I shouldnt have to pay a fee when I tried in good faith to cancel this loan several times. I dont want this affecting my credit. All I want is the loan to be cancelled and be done with this ridiculousness.

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 2023-12-05
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I asked my aunt to help me procure a loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She had used Sallie Mae so she said let 's try them. No one explained to either one of us that we could not change the terms of the loan at any time. She chose the lowest interest rate but didn't realize that meant I would have to pay {$200.00} every month, which I can't afford and she can't either because she has XXXX children with XXXX XXXX and company lay offs. I was going to offer to try to pay something each month but they said it has to be {$200.00} and I can't even afford food right now since I was unable to find a job that would pay much with the course load I have in my XXXX XXXX I am the first of XXXX kids to go to XXXX- my parents didn't go and are on section XXXX and I formerly spent time in XXXX XXXX... .there is really no one I can turn to. My aunt tried to help but now I'm worried I will have ruined credit before I even get a job as a XXXX XXXX XXXXXXXX XXXX I explained this to them and asked is there anything they can do to help me and they said no. The repayment was deferred for 2 months and now they want {$400.00} immediately. What can I do to avoid what this woman XXXX ( XXXX XXXX ) told me was " very bad things where you will have bad credit and they will put leins on you and any wages you make ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Capital One Bank or Capital One took it upon themselves to not handle a big dispute for my financial status at the moment and they also neglected to distribute funds for my other disputes. They took away more than half a grand price from my account even though it was credited monetarily and then they changed their mind, I suppose?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I have been a Bank of America card holder since 2006. I have used them for XXXX for well over a year. Suddenly 4 months ago they began to charge {$10.00} each time XXXX was used. When I noticed the fees on my statement this month I went and checked back and noted that there was never a fee until around XXXX. I called to explain that due to covid and family matters I had just noticed the fees and asked them to be removed. They were very rude and condescending and refused to remove the fees. The first person I spoke to actually tried to blame it on XXXX! I do not recall getting any substantial or informative notice that the fee was going to be added and I doubt that any was sent 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 2018-05-02
Company: GREAT LAKES
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
2010 My Daughter was accepted to XXXX College. Not until we were at Parent/ student orientation day did they take me into a room and tell me they couldn't get enough money. I had another child in college and very little income. It was too late to go to any other school now. 

They made me sign a 7.9 % Parent loan and told me they would create a XXXX major for her bc she wanted XXXX college. I didn't know what I was doing or signing. I was confused then they cut me out of all of it. 

I cancelled her 2nd semester of living quarters based on School hand book dates and process. They threatened me and berated me how late it was and that so many girls were on the waiting list and now its too late to call them. I notified them within the time period before semester begins. My daughter was sick constantly there were intense heat and ventilation problems and she was in and out of XXXX appts. 

I complained and my Daughter chose to go to XXXX bc she stayed at school only once a week and was wasting time because they NEVER planned on giving her a XXXX  major. They made her take courses that she already took in AP and was accepted as credits. 

I put in a formal complaint to school and met with people and they lied to me. I had dates, doctors appointments, school hand book I even wrote the Nun who is President and told her how they could do this to low income families. The worst part is in return NONE of my daughter credits after paying XXXX were good for a XXXX major at XXXX. 

How can private colleges do this to a single Mom on basically little income and another child attending college. I put in complaints to AG office, my local Congressmen and still proceeded to ask XXXX to return DORM room fees and classes they made her take over. 

Any school in Freshman year making kids take classes other than anything basic that can not be transferred to state school should be considered SCAMS. 

I do not want to pay that portion of my Parent loan. They used scare tactics, false promises then went back on their word in the school handbook. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive contacted Trans union about an account that is missing or not showing at all after more than a yr of reporting and they told me contact creditors I have they are for sure they report and have said they will file complaint as well

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