BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I received a promotional offer from JP Morgan Chase via email saying that if I open a new Savings account with them by XX/XX/2020 and deposit {$15000.00} within 20 business days and keep it for 90 days, I will get {$220.00}. The email asked me to go to a branch to open the account. I went to a Chase branch and tried to open the account but they asked me for additional documents I didn't bring at that time so couldn't open the account. As a XXXX XXXX XXXX during COVID time, I was too busy to go to the branch again so I contacted Chase via their secured message system to see if there's any online link for opening the account. I was told that I can go ahead and open the account and as long as there's a bonus offer ongoing, I will get the bonus. They also told me that only if an offer is provided by a branch, I have to go to the branch to open it. Since I got my offer by the email from Chase, not a branch, I decided to open my account online. I opened the account on XX/XX/2020, deposited {$15000.00} on XX/XX/2020 and kept there for more than 90 days and withdrew the balance on XX/XX/2020. They never paid me my {$220.00} offer so I contacted them via phone, secured message and they are refusing to pay me the offer. They said and I quote " XXXX, our records show that the coupon code you provided has already expired on XX/XX/2020. Hence, it can't be applied to your account. '' although I already told them several times that I opened the account when the coupon code was in effect and followed all their instructions but I haven't got my bonus. So, I would like to ask cfpb to make it fair for me and ask Chase to give me the {$220.00} bonus offer that I deserve. Please see the attached documents for more details as well. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
I had a old credit card with USAA, and it was sent to a third party XXXX, i paid XXXX to pay off the account, and USAA is refusing to update my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I apparently signed a document authorizing you to run my credit in error. I naively assumed the " consumer report '' you would be running would be thru a company like XXXX, as this is a payday loan involving a check as collateral and not an actual line of credit. I was surprised and upset to find it was actually a credit check ran thru XXXX. The build up of your hard inquiries has caused a dip in my XXXX of about 25-30 points. Causing it to be lower than my XXXX and XXXX scores which I've worked hard to build up. I know for a fact that I've received payday loans from your company in the past " in store '' and no credit report was ran. Is your policy different in store than online? At most I would expect a soft inquiry to be ran. Not a hard inquiry. Payday loan companies lure customers stating this is a loan that will " not '' affect our credit. But when you run hard inquiries every time we re-loan that DOES affect our credit negatively. I would ask that you kindly revise the inquires in question to " soft inquiries '' with the credit bureau so as to remove the negative impact to my credit scoring. Is that possible? I have been a repeat customer of yours over the years. But if this issue can not be resolved by revising inquiries to soft inquiries I will not be using you in the future. There are many pay day loan companies that do not run a credit check at all. I do not understand why your policy would be any different for the same product. The inquiries in question are dated below : Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Their investigation did not fix an error on your report

Complaint:
I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as experian, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.

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 2020-08-20
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX XX/XX/2020 I moved. I transferred my internet provider account from address " A '' to address " B ''. XXXX XXXX upgraded my modem, which they mailed to me due to COVID. I mailed their old modem back using the instructions given. XXXX alleges the old modem was not received, and their attempts to contact me at my old address were unsuccessful ( unsurprisingly ) ; I had an active XXXX account at my new address during the 120 days they attempted to contact me. I received several email phone and mail correspondences with XXXX during this period ; ergo they obviously knew how to contact me. 

I received a collection action on XXXX XX/XX/2020. I attempted to rectify this situation both with the collection agency and XXXX without success. I find their business tactics deceitful, poor and overall dishonest. 

I request relief. 

Respectfully submitted.

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 2018-11-02
Company: Improved Data Services LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person from Improved Data Services contacted our phone today, XX/XX/2018 and my son answered. He said he was in Arbitration and his name is XXXX XXXX and he said they are from IDS which through research we found was Improved Data Services, and my son asked who they were and questions and he told my son that if I or he did not pay my debt by XXXX today, he was going to serve papers to me through our county court house this afternoon. My son became defensive and told him that it was illegal to say such things on the phone and when my son kept asking questions in who they were and what this was about, he began yelling at my son to not interrupt him and when my son was persistent with questions, the gentleman from IDS hung up on my son. The number they called from is a ND number which is XXXX. 

Then a few minutes later my son received a call on his cell phone which is a CA cell number and the number came from a XXXX XXXX number XXXX. It was the same company and the same person, XXXX XXXX, asking for me again and my son said they were contacting the wrong number and when my son asked again what this was in regard to the person on the other line became defensive and then said we already spoke with you earlier and hung up. 

They then continued to call our landline throughout the afternoon and my son would answer and they continued to ask various questions and phish for information. My daughter said she was receiving strange calls today as well from these numbers. 

We are reporting this to you and to our Attorney General for the reason that receiving calls as this and to be threatened with lawsuits if we do not pay a sum by XXXX today over the phone and to be screamed at over the phone not to interrupt when we are asking questions about who they are we felt needed to be reported. 

( reference number provided XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.

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 2020-07-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX  XXXX XXXX PA, XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX  & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX  XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-07-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2017-06-21
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.

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 2018-02-24
Company: Servis One, Inc., Titusville, PA Branch
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. 

On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. 

I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. 

I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. 

I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Santander Consumer USA Holdings Inc.
State: LA
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 completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed a collection with XXXX regarding XXXX XXXX that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$380.00}. I contacted XXXX and they do not have a record of this under my name, I have not had XXXX service since XXXX. If this debt was valid which I believe to be untrue, the SOL would have expired in my State of Michigan. I have never received any communication from this creditor, it simply appeared on my credit report which they should have validated the debt with me. I wrote to them and asked them to remove this from my credit reports immediately and provide proof of said services. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and request of validation. I reached out to them also by email this week, I have proof of delivery and again received no response. If this was on one of their own credit reports, they would react in a timelier matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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