BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.

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 2016-11-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my 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
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
went to b of  America  in  XXXX  to transfer my ira that was due to mature on  XXXX / XXXX /  XXXX   and the bank stated that I had to pay  XXXX  transfer fee

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 2016-07-15
Company: Empowerment Ventures, LLC
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Cottonwood Financial Ltd.
State: IL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like 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 2017-01-11
Company: CDI Affiliated Services, Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Northstar Location Services, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a  XXXX  credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of   XXXX   XXXX     or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf    XXXX   XXXX    ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  XXXX  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  XXXX  ). Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called Northstar Companies - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  XXXX  rep and they were n't aware of the cos or if the management of my account has been transferred from  XXXX  to Northstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Call Navy Federal Credit Union on XX/XX/21, ask questions about cashier check and was told the funds would be made available same. I went to cash the check on XX/XX/21 was told there a 24 hour hold. Call there XXXX number again was told there was no record of my call on XX/XX/21, explain what happen and was in need of my money do to the death of my mother, was it will be there in 24hrs. Asked for a supervisor who would not listed ask to file a complaint was told he would. Call back on XX/XX/21 because cashier check was still not in my account after 24 hours. Was told now it not processed until after midnight to 6am, by a supervisor who was told your customers service told me other wise. Navy Federal keeps living to people over our money and fails to do the right thing. 24 hour hold has turn into a 48hrs with them making excuses on my money. I had to miss my mother funeral services because of them., and they don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 2017-05-04
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Cottonwood Financial Ltd.
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf  XXXX   XXXX  ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  Discover  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  Discover   ).   Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
hi I have a mortgage on a dairy farm The dairy portion has been shut down and the buildings that were used to have the dairy have been decommissioned I have lost their permits have lost their status to be a dairy ever again and yet my Bank is requiring excessive insurance on buildings that have no purpose other than just being a shed I have asked them numerous times to send me original copies of the loan documents showing the insurance requirements and they are not willing to produce those I guess an example of this would be if you see an old gas station structure on a lot there are no pumps anymore there 's no tanks anymore there 's no permits anymore The land around it is being used for other purposes but yet the bank still wants to have levels of insurance as if it is a gas station

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This summer I order my wedding dress, customized. What I received was not even a dress. I disputed with merchant, shipped material back. Merchant refused refund and offered my XXXX % discount on next purchase instead, I refused. I filed complaint with Suntrust on XXXX/XXXX/2015. Suntrust gave temporary credit on XXXX/XXXX/2015. I was advised I would receive correspondence if they needed info and case would close in 60 days and the credit would be authorized if they found on my behalf and if not, I would be notified first. I never heard anything else from Suntrust. I tried several times to check status online but system was down for a long time. Suntrust emails me when anything goes on, so since I received no emails- I figured we were good. 60 days passed ... XX/XX/XXXX. I assumed as I had been told that the credit was no longer " provisional ''. Suntrust waited until 2 days before XXXX to do the reversal, wiping my account clean so I could not buy XXXX dinner- WITH NO NOTICE OR CONTACT. Then I encountered several NSF fees. They claim the reason for the reversal was because the merchant claimed to offer a full refund and I refused. That makes no sense. Had they offered, I would have accepted! They offered only discounts for future purchases. But, Suntrust- instead of contacting me and asking for email correspondence ( which I have still ) or photos of my wedding to prove I did not wear their product ( which I also have ) or proof the full refund was never offered ( again, email chain ) ... Suntrust wiped out my bank account after the 60 day period and raked up NSF charges galore and kept my direct deposit from my payroll check. So, here my family and I will sit on XXXX eating cereal or sandwiches ( because my bank account is in the negative and we could not buy things for a XXXX meal ). I have made several attempts with Suntrust agents to get them to understand that I did not overdraw my account. That I received no correspondence. I have all my emails from Suntrust. The last thing I received from their claims department was the claim form. 
I would highly advise anyone searching for a bank, to not go to Suntrust. After this experience, I will be changing banks asap. They care nothing about their customers. The fact that they waited until two days before XXXX ( past the 60 day time frame ) when I had several pending transactions ( which resulted in NSFs ) to reverse a valid claim ... tells me just how much they DO N'T care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Critical Resolution Mediation LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation. 
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   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 2017-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Greetings, I am writing to complain about Chase Bank continuing to proce ss Amazon.com Visa signature  credit card applications and continues to make hard credit inquiries (  XXXX   XXXX ,  XXXX  ).   I DID NOT AUTHORIZE THIS APPLICATION, VERIFY INFORMATION OR A REQUEST FOR A HARD CREDIT INQUIRY.     Chase bank has also failed to remove hard credit checks to my credit report, as per their written statements to CFPB Case number :  XXXX  dated  XXXX  " C hase Bank USA, N.A. s aid : We mailed you the enclosed letter dated  XXXX   XXXX ,  XXXX , advising you the previous applications were marked as " Fraudulent. '' The most recent application was submitted on  XXXX   XXXX ,  XXXX , using information that verified to you. The application was not immediately approved and we sent the letter dated  XXXX   XXXX ,  XXXX , to verify if the application was submitted by you. You notified us the application was not submitted by you on  XXXX   XXXX ,  XXXX . We 've marked the application as " Fraudulent. '' We have again asked the credit-reporting agencies to remove the credit inquiry from your credit report. Allow sufficient time for the updates, and then request a new copy of your credit report. ".      One would have thought after numerous phone calls, letters, and two  formal complaints to the CFPB, Chase Bank would have figured out I do n't want their credit card.   CFPB case #  XXXX  CFPB case #  XXXX  One would be wrong.     To resolve this matter, Chase Bank needs to :   1. Provide written proof I applied for the credit card.
2. Mark the credit card application as fraudulent.
3. Remove ALL hard credit inquires from my credit report, as per their written statement to the CFPB.
4. Explain in writing why on Earth   Chase Bank would continue to even consider approving a credit card application or make hard credit checks after two formal complaint to CFPB.

Company response to consumer: Closed with non-monetary relief