BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: DE
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:
Experian refuses to delete inaccurate unidentified items from my credit report, after serval disputes. They refuse to comply and The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

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 2022-02-28
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: Their investigation did not fix an error on your report

Complaint:
I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.

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 2020-12-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I live in Wisconsin and filed for Debt Amortization ( chapter 128 ) in XXXX and it was paid in full and Discharged in XX/XX/XXXX. Navient was included in this and they were sent money by the Trustee of my case every quarter. I am now told that they do not recognize the court order and are saying I still owe around {$1800.00}. I am wondering if this is the case that they do not have to recognize it. My attorney and the Trustee think it should be dismissed. Wondering if you can help me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America -- which is already under investigation by CFPB -- has set up its credit card payment system online in a manner that is not consistent with any other card company AND they do not disclose to the customer that if the consumer selects the payment due date on their online payment form and requests transfer from their bank account to Bank of America on the due date that this simply ( in the words of CSR at BOA ) " starts the process of payment '' which can then take " up to 24 hours '' to complete, meaning that BOA may then delay the payment and charge a {$39.00} junk late fee for people who have actually paid their credit cards on direct ACH from the bank to BOA on the day it is due. I contacted BOA about this and they " filed a report '' with their internal department and when asked, indicated that they " don't follow up on such reports with their customers. '' I have paid off the balance on this card and will not use it again. This is a fraudulent enterprise and they do not deserve my interest payments.

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 monetary relief
Consumer complaint received 2022-02-28
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint on Plant Home Lending of XXXX, CT. 

My complaint is regarding deceptive and unethical business practices in reporting past due payments to the credit bureaus. 

It all started when they assumed my loan in XX/XX/2021 and I was notified in XXXX of this change. In the first written documentation, I was informed that I could set up automatic payments. I elected to take this option, as noted, and sent back the required documentation for ACH setup via fax and US mail. I received a confirmation letter stating that my ACH setup was correctly in XXXX for XXXX payments. 

After receiving a letter that my payment was late, in XXXX, I called, again and immediately paid and re-setup another ACH system setup via their OLD portal for XXXX and future payments. 

The following month I received another letter, mid-month stating my payment was late. I AGAIN called and made the payment immediately for XXXX and XXXX and again set up another ACH auto payment in the NEW portal as instructed by the customer service agent. The agent told me that the OLD portal wasnt working correctly. 

It appears that my effort in establishing and following a new customer onboarding process wasnt successful. This organization reported me to the credit bureaus as a late payment because the on-boarding materials and documentation were running two to three weeks late and or did not arrive. 

If you review the files and sequence of events, I tried my best to work within the Planet Home Leading system to establish an ACH auto payment following the process that was given to me. With your letter arriving weeks after the dated letters, I would not have known of any issues. 

I am requesting assistance in removing the credit bureaus ' report and or noting to the credit bureaus that the sequence of events was an error on Planet Home Lending. Planet Home Lending claims they reported correctly, but they failed to state that the error was on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX we logged into our NelNet account to change our password as our accounts had been compromised by a hacker. Normally, we make large lump sum payments on our student loans as we are healthcare professionals and often times the hospitals assist with our repayment. Therefore, the due date is always changing. Upon inspection of our account we found that our interest rate had increased to 3.5 % from 2.05 % because of a delinquent payment. Their office was contacted on XX/XX/20 with which we spoke to XXXX a customer service representative. She reported that she would send an email to leadership/incentive department regarding retracting the interest rate. On XX/XX/20 we were contacted by XXXX ; a resolution specialist whom then indicated that statements, phone calls and emails had been sent to our address on file however, the mail was returned because they had the wrong address. I then proceeded to ask regarding the phone calls and if there were any voicemails left. XXXX stated the computer had attempted to contact us 3 times but, did not leave a message. I then asked XXXX how are we able to respond if your computer does not leave a message and your company has the wrong address. He did not have an answer to that question ; just simply stated that NelNet was unable to reinstate our initial interest rate secondary to delinquency on our part not NelNet 's part. I proceeded to ask for his manager and he responded that he would have to email leadership and he/she would be contacting us however, it is unlikely that anything can be done. I asked XXXX to elevate the complaint and if he could contact the lender XXXX to see if they are willing to reinstated the initial interest rate. He stated that he is not allowed to contact XXXX but would be happy to escalate the issue. Today XX/XX/20 I contacted XXXX and spoke with XXXX ; she too reported she would have to research this issue and get back to me on Monday. This is a very frustrating and time consuming experience. We are both XXXX XXXX XXXX  workers and this loan is a XXXX  loan that is used to gain the XXXX  needed to XXXX  XXXX  XXXX. We are very disappointed that NelNet and XXXX would do this during such a crisis time and foremost, during a time when the healthcare community has taken not only a financial hit but a XXXX  health hit as well. If this is how front line workers are treated by these companies during a pandemic ; I would hate to see how we are treated on a normal everyday basis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
It has been about five months that I applied for unemployment and was supposed to receive a card and I updated my address but Bank of America never seem to get the update after five months and Ive change it on EDD website multiple times but it doesnt change on the Bank of America website. So I am unable to receive my card.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They don't communicate with one another. 

Experian, XXXX and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.

Company response to consumer: In progress
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: VA
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 disputing the XXXX account on my credit report that says it was opened XX/XX/XXXX & is currently showing a balance of XXXX & charge off status. This account went into repayment in XXXX, was included in ch XXXX bankruptcy in XXXX and discharged in XXXX. The chapter XXXX bankruptcy pubic record itself isnt on my credit report because the bankruptcy is chapter XXXX and over 7 years old ( the record has fallen off due to its age ). This account was also included in chapter XXXX bankruptcy in XXXX, although it didnt need to be because it was already discharged prior to that. This account has been previously disputed and you have previously updated the account for me many times because the creditor goes in from time to time and updates it back to charge of status. I have been told to just call when this happens and within 24-72 hours you will fix the status back because this has been previously investigated and found in my favor. I have used this process successfully several times. However, a few days ago I contacted experian when I became aware the creditor updated this to have a balance again and the rep opened the dispute and after I heard nothing after several days I called back to check on the status and that rep said it could take 30 days. I explained I shouldn ; t need a whole investigation again for this same issue and to look in my file they can see the history of this issue. This brings down my score every time this happens and should be handled swiftly. She was no help. I received notification this morning the dispute was resolved and when I review it says it was updated, but nothing was updated. It still shows a balance and charge off status. I need this fixed asap and you need a better process for preventing this from recurring. This debt is over 7 years from the original delinquency anyway and I have no idea why it is even on my report to begin with at this point. I have attached the loan details from XXXX - this went into repayment in 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 2020-12-18
Company: DISCOVER BANK
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello iam the owner of XXXX XXXX  XXXX open one cheking accout whit DISCOVER BANK i am recive a loan from te XXXX and deposit in the accoun of the discover bank the bank star to supplie alot of documet social numer adress one of the emolyes tell way iam make a accuont becuse i am not speek good iam servicies in th XXXX XXXX for 12 years for defend my coutry the lady toda tell my i net waite 60 day befor take may money bank for send my money back this money is frond he US govermment is a loand for pay years 30 days I net my money Back ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I used Venmo to send my husband money so he can transfer it to savings. He tried depositing it into his account and it kept giving him problems. Venmo then proceeded to tell him to transfer the money in small increments so he did and said itll be deposited in 2-5 days or something like that. The next day we BOTH received emails saying our accounts have been frozen and we needed to send proof of identification! So we did. After some time they sent us an email saying our accounts have been permanently deactivated! The money was never transferred to my husbands account. I keep calling and emailing and they keep giving me the runaround! Nobody wants to explain why our accounts were closed! And they dont want to give us our money! I will be contacted a lawyer and news and everyone I have to for others to be aware of this! Its completely unfair. That money was for savings for a house purchase!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-19
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$32.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00}

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 2023-02-02
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail. 

XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation. 

On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX  and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit. 
I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date. 

XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.

Company response to consumer: Closed with explanation