BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I needed to withdrawal cash from my checking account on Tuesday, XX/XX/XXXX, around XXXX XXXX  PST. I went to two separate US Bank locations in XXXX, and both ATMs were down. The withdrawal was needed to handle a personal family emergency with a compact timeframe. Instead I went to a nearby casino/resort. XXXX XXXX. They were great by the way. I was able to withdrawal the funds I needed ( {$3000.00} ) + {$92.00} in fees. In a matter of seconds with no hassles. I called US Bank ( XXXX Branch ) on Thursday, XX/XX/XXXX around XXXX XXXX  PST. To request for the fees to be refunded. I was told there is nothing that could be done. I was told I should have tried 12 other US Bank locations in XXXX first ( I had already tried two ). Or told I could have visited a branch today ( Friday, XX/XX/XXXX ) to withdrawal the funds?!?!. When I pushed back I was told to contact the originating US Bank in XXXX XXXX XXXX, CA ( for my accounts opened in approx. XXXX ). To request a refund of the fees. But I was also basically told it wouldn't matter. I was told they would call the Branch Manager in XXXX XXXX XXXX. I called the US Bank in XXXX XXXX XXXX around XXXX XXXX  PST ( the same day ). They said they never received a call from the XXXX Branch. I was told by both branches that a " manager '' would call me. This never happened. US Bank has continued to give me the " run-around '' and has offered no resolution. They have both told me to dispute the fees with XXXX XXXX. Why? It wasn't XXXX XXXX 's fault. They allowed me to withdrawal my funds. US Bank didn't. Their ATMs were down. I have multiple accounts with US Bank, an auto loan, and a revolving line of credit. A credit card with a XXXX balance. An exceptional credit rating. I wasn't asking for any dollar amount of my funds that I didn't have. Not even close. I have both funds and available credit in way excess ... Once again US Bank 's ATMs were not working. Thank you.

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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage in XXXX and signed an escrow waiver for property taxes, homeowner 's and flood insurance. I prefer to pay my own. The mortgage was sold twice in rapid succession, ending up with JP Morgan Chase. Chase told me in XX/XX/XXXX that they were starting an escrow account for the flood insurance, and sent me a statement with a new, higher mortgage payment. I told them that I had signed an escrow waiver. They replied that they would delete the escrow account. A few months later, Chase said that the escrow account would be reinstated because of NFIP rules. I repeated my earlier statement regarding the escrow waiver, and reminded them that I did not use the NFIP, I bought private market flood insurance. Again, they informed me that the escrow account would be deleted. Once more, Chase informed me that the escrow account had been reviewed, and would be reinstated because of RESPA rules. I pointed out that RESPA had nothing to do with the issue. Chase then informed me that the escrow account would stand because the Biggert-Waters Flood Insurance Reform Act of XXXX  says that after XXXX, loans secured by property or a mobile home in a flood area had to have flood insurance escrowed. We are at an impasse. If their Biggert-Waters Act excuse is valid, why was I allowed to sign an escrow waiver in XXXX? Can a mortgage company change the terms of a mortgage they have bought? If I allow this, what's stopping them from demanding escrow for my property taxes and homeowner 's insurance? For the record, this is a fixed-rate mortgage, so no increases are to be expected. I have never had a late payment or been uninsured, so this is not a case of force-placed insurance. Chase did not share their " escrow analysis '' with me, ( the payment they imposed is woefully inadequate to cover my insurance ) and they have not explained how renewal and payment of my flood insurance policy is to be carried out - I believe that IS a RESPA requirement. They have only reminded me to send them a copy " when the policy is renewed. '' If I'm renewing the insurance, why are they collecting the money? Throughout this entire debacle, I have been making my regular, ORIGINAL mortgage payments, and have alerted them each month that i am NOT paying the escrow amount until I have valid answers to my questions. I will be happy to provide whatever documentation you require ; at this point, I am only sending my escrow waiver because I'm not sure if you want all their letters. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My claim is in regards to a medical collection listed by a company named CB Carbon Collection center of Wyoming ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate with no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the FCRA. 

CB/Carbon Collection Center of Wyoming has violated my rights in this regard, and I wish for this agency to intervene and assist me in forcing the matter of transparency from this debt buyer, which has bought a debt that is not mine and insists on keeping it on my report. 

Also, according to the new laws on reporting medical information, this account, whoever 's it is, should not be listed at all. As it violates HIPAA. I simply do not understand how a person 's information can be grafted onto another 's credit report with impunity and would very much appreciate this agency 's assistance in investigating this consumer complaint on my behalf.

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate without any investigation, and especially none in the 30 day time line outlined in the dispute guidelines of the Fair Credit Reporting Act. 

I need assistance from this agency in this regard and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My student loan was suppose to be deferred until XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to Transunion, XXXX and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call XXXX and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX  years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as XXXX ( Transunion ) - ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX XXXX XXXX XX/XX/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 2022-09-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your actions has caused me and my family XXXX XXXX and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )

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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX. XXXXXXXX XXXX there was a unauthorized inquiry for said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to XXXX, Equifax and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call Equifax and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as Follow ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX 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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This complaint is being filed against Trans Union in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX with Trans Union on XXXX different attempts to correct their inaccuracies. However, Trans Union have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Trans Union claiming the account verified how was it verified and by what method did they verify? Why cant they provide me with the original signed contract, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on fourth occasion. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,

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: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
www.navient.com XXXX15 called the XXXX but the recording could not help me and would not connect me to a representative because they could not understand why I wanted to talk to one so they said they would end the call. After calling a few times I scheduled a call back at XXXX XXXX. Then I got online and they could not take care of me there so I scheduled another callback at XXXX EST. The phone calls and the online program would not let me pay off a student loan. They offered to refinance and defer, but could not accept the payoff for my loan XXXX. If I selected payment on the computer or said payment to the recording it wanted me to make a monthly payment. I registered online and the computer today said they did not recognize my user id, but when I had them e-mail me the user id it was the same as I entered but it did not recognize me. I tried to reregister and it said I couldnt use that id. When I finally tried and tried to get into my account it said I could download a form they sent me, but I never received a scheduled call back. Since I could not re-register, I could not download the form they sent to me on their website. The jest of it is they do not want to accept a payment from me because they make a ton of money on the students. They had a little paragraph on the website telling that they would continue to charge interest if it came by post office mail, but they would not accept a payoff from me online or on the phone. XXXX XXXX XXXX

Company response to consumer: Closed with explanation