BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: CURO Intermediate Holdings
State: IL
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.

Company response to consumer: Closed
Consumer complaint received 2016-02-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
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:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Global Lending Services LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The dealership breached the " dealer agreement contract '' and XXXX is refusing to follow through with demanding a repurchase of the vehicle, as stated in the contract, from the dealership. 

The dealership that I purchased my vehicle from provided XXXX with false information in order to obtain funding for my vehicle. " Ineligible vehicle 's for funding '', according to dealer agreement, include " vehicles previously used for commercial use '' and " gray market vehicles ''. The dealership lied on the application about the condition of the vehicle as well since it was a " new '' vehicle not " used ''. 


My vehicle is both. My vehicle is apart of the XXXX XXXX engine fire recall campaign. I had 3 years of XXXX percent payment history until I had catastrophic engine failure at XXXX. Between XXXX - XXXX miles, I have had XXXX engine replacements in 400 days and my vehicle was out of service 350 days. 

The dealer agreement also states that if " any false information is uses to obtain funding, the contract is breached and XXXX will demand a repurchase of the vehicle from the dealership ". 

The dealership added an additional {$600.00} in illegal " documentary service fees '' to the total amount financed on my sales contract. I have reached out to several different people in upper management, including their compliance manager, who did look into the additional fees and I was credited back {$600.00} to my balance. So they have acknowledged that false information was applied to my sales contract but will not look any further into following through with the dealer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: COLLECTIONS USA, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a checking account at TD Bank. It is an account in both my brothers name and mine. We set the account up in New Jersey, where my brother lives. The reason we set it up was for my brother to be able to make deposits frequently into the account so that I could have money for food and also for co-pays to my doctors. I am a XXXX, so I go to the doctors quite frequently. Recently, I checked the account and realized that we were being charged {$10.00} a month because the balance fell below {$100.00}. I questioned the bank person on this and told her we were never told this when we set up the account and I did not think it was fair to have been charged {$10.00} EVERY month just because our balance would go slightly under {$100.00}. I live on a small social security check and rely on my food stamps to get food. Charging me over XXXX % a month to penalize me seems a bit unfair. I do n't think rich people get penalized XXXX % of their money each month. 
I am tired of being penalized because I am now poor. They have also started to charge me {$1.00} a month as a new " fee '' in addition to the {$10.00}. fee. This is criminal. 
Please investigate this and tell me why do poor people have to cover the administrative costs for the bank and not the rich. 
Thank you, XXXX XXXX XXXX ( age XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/22 I submitted a dispute to Experian for multiple hard inquiries on my report that I did not recognize nor authorize. Experian did not reply by mail so I was unable to see the results. When pulling my updated credit report, I show the unauthorized inquiries have not been removed. On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately.

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

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 2017-02-08
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few years ago, Transworld System had called regarding medical debts we owed to XXXX in XXXX, PA. I called XXXX Primary Care directly and paid all past due debts. Transworld continued to call for about XXXX months. Finally, XXXX called them and said we no longer owed any debt. The calls stopped. However, over the past XXXX weeks, the calls began again. XXXX to XXXX calls a day on my landline and several calls a day to my cell phone. They are attempting to collect the same debt ( form XX/XX/XXXX and XX/XX/XXXX ). I called XXXX, they stated we owe no medical debt at this time and they are not sure why Transworld is calling. They dumped Transworld XXXX years ago and have their own debt collection agency now. I asked Transworld Systems for a written bill of the debt from XXXX and have received nothing from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been told by Bank America that they can help me with overdraft fees due to my financial circumstances which I have communicated that I am trying to get the account back to a positive balance I just needed help and if they can remove the fees that I was told that would help tremendously. After a death in the family mentally I was unable to work therefore, it resulted in all my bills being piled up and at this time I am currently trying to be current on all of my bills. I do not have other income besides myself. At one point i needed to seek XXXX  outpatient treatment due to the severity of a illness. Im trying my best to pay off all debts. Today iam asking for help that I was told. Im not asking for all fees to be removed. But Im being charged fees when I have communicated my financial hardship and I had to choose between eating or paying back a debt. I will pay this debt I just need help. Im also now being threatened that they will close out the account charge it off and report me to XXXX XXXXs because of financial situation. I have not ever been in this position its very hard.

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 2016-01-30
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested a verification of the debt. The collector, Transworld Systems , Inc. stated the account was closed to their office and referred me to the original creditor, Ohio XXXX XXXX XXXX. The hospital has also failed to provide verification of the debt leaving me unable to determine prior payments or the nature of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is older than 7 years from the XXXX delinquent date. However, another date is given as the original delinquent date.

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 2017-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
American Express Prepaid decided to start levying a monthly maintenance fee without 1 ) Informing me or 2 ) getting any contractual signatures from me. They proceeded to deplete my account of all the money I had already deposited. 

When I contacted them to cancel the account, there was no paper reciept / paper trail that I could get to confirm that my account has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
My question was not answered. How was the debt validated? Where is the HIPAA authorization? 

On XXXX separate occasions I have reached out to EQUIFAX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

I have reached out to XXXX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation