BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''

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 2016-12-10
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file

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 2022-06-01
Company: American First Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact the American Finance Company regarding my old account I attempt to pay it off today XX/XX/2022 and they stated I owe {$560.00} but my credit report states XXXX. The collection agency stated that this's what the Finance Company sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/13 I made a transaction for XXXX on an account that does not have overdraft protection. I have chosen to opt out in overdraft protection and am accustomed to the bank declining my purchase if there are not enough funds to cover the amount. Specifically to avoid overdraft fees. I was unaware that the account had become overdrawn by {$20.00}. Over a month later on XXXX the bank began taking out a daily {$6.00} Consecutive days XXXX  fee. Again I was completely unaware. Totaling {$120.00}. On XXXX the bank charged off my account, creating confusing charges and credits eventually totalling a {$170.00} credit to my account. Again, I was completely unaware of all of this activity and had not been contacted. I had been having a separate issue with the bank refusing to change my mailing address and believe this may have caused the lack of communication. 
On XXXX I began to transfer funds into my remaining account to prepare for a down payment on a car. I noticed that my other account had been closed but did not look in to it yet. Looking at it this evening XXXX I see that they had taken {$170.00} from my remaining account to cover the excessive fees charged to my now closed account. Causing me to look further into this issue and contact customer service. The online agent XXXX told me I was not charged an overdraft fee but a negative balance fee and that there was no refunding these charges.

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 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my paycheck to my checking account at Bank of America, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Bank of America has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was " it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said " we do n't have it. '' " Then where is it? '' I asked. " I do n't know. '' She said. Seriously? She also said, " Well, the check could still be returned. '' " Really? After you already have the money? '' This wrong and they should not be allowed to do this.

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 2022-06-01
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:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.

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 2022-06-01
Company: EQUIFAX, 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:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag  ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history.
I had several 2 hour phone conversation being on hold several times, bein  g transferred back in forth. At this time I do n't see any changes made to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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 was t

he victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ite
ms which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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 has violated the FCRA 605. I have submitted documentation and a police report but they have not removed the fraudulent accounts.

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 2022-06-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/2020 my homeowners insurance was due to expire. My taxes and insurance are escrowed and have been since I have had the loan. Due to the pandemic I have been dealing with health issues within my family. 

I got a notice from Chase Bank in XXXX notifying me that there was no insurance on my home. I asked Chase Bank why they did not pay my renewal bill at the end of XXXX since money is escrowed to cover that bill. Chase Bank said they did not receive an insurance bill from my insurer. I asked Chase Bank why they did not contact XXXX and get the renewal bill since they did not receive it. 

Chase Bank stated they called XXXX but could not get anyone to answer the phone. I said it was your responsibility to wait and get an agent on the phone and get the bill no matter how long it took. They disagreed. 

When I got the notice in XXXX notifying me I did not have insurance, I called XXXX  and had insurance restored. I had to have a whole new policy written because Chase Bank did not do its due diligence in obtaining my insurance renewal. The renewal bills are not sent to me because I have an escrow account. 

On XX/XX/2020, Chase Bank took {$2100.00} from my escrow to cover my new insurance policy. However, on XX/XX/2020 they took {$1500.00} from my escrow account to cover force placed insurance for XXXX and XX/XX/2020. I do not believe they followed the force placed insurance laws of RESPA and they depleted my escrow account in the process. I had to place {$1600.00} in the escrow account to insure my upcoming taxes would be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )

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 2015-04-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation