BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I went on-line to get a balance transfer from one credit card to another. 
I entered the wrong credit card number to transfer money from. 
I called the credit card company immediately after. 
They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
For several months now i been having trouble trying to balance my checking account with JP Morgan Chase. Since every time a transaction happen they blame the merchant for when they process the bank and I keep getting charge over draft fee 's. When for example the most recent transaction happen XXXX/XXXX/2016 ; I have over XXXX worth of fee 's after I just finish getting my deposit from my employer and my account was on the dot. I call to complaint about a transaction and i had a balance of {$2.00} after a {$300.00} payment I disagree but got nothing but an email next day I see all this transaction that happen the week before post in a different order and dates and make me owe now Chase again overdraft fee 's. So why they keep doing this when the transaction happen they take out your balance but they posted later differently and make the account be overdraft. I think this a dishonest way of doing business and making this inconvenient for the consumer that really needs a checking account now and days and ca n't talk to their representatives or manager because they just do n't care we have to pay. Now my account is {$200.00} over draft after that conveniently they cover my transactions when to begin with the money was there and if XXXX item was not available then I understand the overdraft fee but not for XXXX items that originally the money was there and if not they would n't decline my transaction this is deceiving and incorrect they need to have a better way of handling this. So far this year I believe I had paid them like XXXX or more. This is not a way of a bank secretly disobeying the rules put in place by fdcpa & cfbp.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive XXXX ( the only XXXX I had ever had ). This was XXXX ... By XXXX the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around XXXX and I was pretty sure it went to collections that same year. I would have thought it would have fallen off my credit report and it has n't. Its frustrating because all of this happened before they changed the laws- So for a {$300.00} credit care I owe {$610.00} - All of the balance is late fee and interest. Can it be taken off my credit report? 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute through my XXXX XXXX account. It was sent to XXXX and was removed from my credit report but it was n't removed on my Equifax report. This open account is still on my Equifax and I 'm not understanding why. I also have other information that is a typo and my longest employer is not listed. And I have tried to file a separate dispute through Equifax but it keeps telling me that my personal information is not the same as they have but I know it is. I am told to fax my drivers license, etc.. in first. Why do I have to go through all this? I can provide a file # if needed. I hope the case # I provided is the same as a file #.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request many times to provide me with the documents that their company has on file that was used to verify accounts the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
XXXX College had a data breach involving XXXX Forms, which includes names, addresses, social security numbers, salary information, and tax withholdings for XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: NV
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:
these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley

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 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XX/XX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to Bank of America ( "  BOA '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling BOA to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, BOA advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XX/XX/XXXX, I received the new check and sent it overnight directly to BOA for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XX/XX/XXXX I followed up a week later and was told the proceeds had been wired to XXXX, my 1st lien lender. So I called XXXX, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into BOA, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to XXXX on XX/XX/XXXX and I should give it 5 business days to arrive. After waiting a week, I called XXXX, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XX/XX/XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at BOA to do more research and tell me that they had sent the check via XXXX on XX/XX/XXXX to XXXX. I confirmed the tracking number online and confirmed that XXXX XXXX of XXXX had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for 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 explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2015-07-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule XXXX for XXXX XXXX that I owned. I file my taxes using XXXX from XXXX ( XXXX and XXXX ). I provided them my tax returns for XX/XX/XXXX and XX/XX/XXXX along with the XXXX XXXX. The XXXX XXXX format generated by XXXX is different from the XXXX seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule XXXX on top and my tax returns have been accepted by the IRS and XXXX is an IRS approved Tax software. However, the bank is insisting that the XXXX XXXX provided by me are not the right format. I offered to redo the XXXX XXXX to the format required by the bank and the bank declined that option. The interesting thing is that all the XXXX XXXX 's I provided are having {$0.00} entries and do not impact my credit worthiness or assets or liablities. We have been going back and forth on this for more than XXXX weeks and there is no resolution. The issue is at a stalemate. I have provided all legal documents and information required by the bank and they are simply refusing to move forward based on the XXXX XXXX issue. I believe they are acting in an authoritarian manner and possibly discriminating against me and using the XXXX XXXX as an excuse. The Schedule XXXX 's I have provided are legally accepted forms by the IRS and yet the US Bank is refusing to accept the same. The loan XXXX I am dealing with is curt and not willing to listen 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 2017-01-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my XXXX report it shows that i have XXXX debt transaction on my SSN which was given to collection agency. XXXX on Equifax from XXXX on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: U.S. BANCORP
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
U.S Bank paid out settlement monies, twice, in regards to a lawsuit. Whenever the monies came due, the bank finalged with my account costing me close to XXXX in overdraft fees. I get SSI, 733 monthly. I called to check my balance and it was good, soon as I used my card the bank withdrew money from a bill from two weeks prior which led to several overdraft fees. The same thing happened with this last settlement payment. This bank is using our money to help pay their settlement judgement.

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 2016-05-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CORELOGIC INC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action returned.

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 2016-11-09
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.

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 2016-01-19
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, XXXX, I received a letter from the XXXX XXXX D. Scott Carruthers, stating I owe a balance of {$16000.00} for an original debt of {$2100.00}. In the letter they also state that once they verify my place of employment, then they will begin the lawsuit. I have written the collection agency that this law office is representing on several occasions requesting proof of the debt. I have never gotten any response from them. The last letter I sent to them was dated XXXX/XXXX/XXXX where after doing some research of my own and contacting my states attorney general, I found out that the Statute of Limitations had expired.I sent them that letter explaining my findings and still have yet to get a response from them. And now 1 year and 3 months later I get a letter stating that I will be sued. 
Update XXXX : I have since tried to resolve this matter by going to court but ultimately settled and am now paying {$50.00} a month on a debt that I do not owe. I am a victim of identity theft and this loan was taken out in my name without my knowledge by my former boyfriend who I was abused by. I feel that since we lived together at the time and he had access to all of my personal information, that he took out the loan without my knowledge or consent. I provided this information to the lawyer that contacted me including police reports, and an identity theft letter ( notarized ) and copies of previous restraining orders to prove the abuse that I was subjected to. A deposition was done as well, and I told them the same thing. But they continued to state that I owe the debt. Although I am currently paying ( out of frustration, and fear of them finding my abusive ex and them giving him any information to where he can find me-he has threatened to kill me on several different occasions ) is there anything else that I can do? I do not want to pay for a debt that I do not owe! I originally filed a complaint back in XXXX and am still working to resolve this matter. Here is the Case number : 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 2016-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Campus Student Funding, LLC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.

Company response to consumer: Closed with explanation