BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet is my loan servicer. I have applied for the XXXX repayment plan. They have sent me an email saying in order to be on the plan I need to make a one time payment by a date. The letter did not say the amount or the date, it just left it blank. Then it sent me a letter saying my request was approved, but not what the request was and that I would get a follow up email, which I didn't. The Federal Student Aid website said my application was completed in August and they completed their review in August, but my account was changed to XXXX XXXX and I'm still not in the XXXX plan. I have emailed them, filed complaints with the FSA and I'm getting nowhere. The interest on my loan would be subsidized if I was on the plan, but because I'm still not on the plan they are collecting the full interest and my loan is growing, which is not supposed to happen on XXXX. 

The loan servicer does not answer the phone or emails. How can a company be allowed to manage millions or billions of debt and have no rules to adhere to, they can't manage the accounts they have. This is unfair to every borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sir or Maam : I need your assistance I, XXXX XXXX am a customer of the Chase Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IA XXXX I opened a checking account XXXX of 2023 I was told by personal banker because I posed a risk to the bank I had to have a secured checking account. I explained I was a military veteran and I requested to be converted to monthly free of fees XXXX XXXX Plus account. The personal banker did not indicate what risk I posed? I explained my wife and I have an unsecured Chase Bank XXXX credit card with a credit line of {$25000.00} it didn't make logical sense I would have to pay a monthly maintenance fee of {$4.00} Also, I have direct deposit from employer utilized the checking account responsibly and I meet financial obligations to the bank. 
The personal banker indicated she would forward my information and have someone call to discuss options. To date I never received a call and this month I received a {$4.00} fee. I am requested to have all fees waived and converted to a XXXX XXXX XXXX account. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I am submitting an Education Debt Reduction Program ( EDRP ) form through my employer the XXXX One of the requirements is that the loan servicer signs off my loan verification form to confirm my loans. 

I have submitted my form to MOHELA but they have yet to sign the form and they keep saying it is approved but there is still not signature. 

I have tried contacting them multiple times without success. 

I need them to sign this so I can start the process for loan forgiveness through my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}

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 2018-12-17
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT  ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received an email notification from CapitalOne advising that our new credit cards would be received in the first week of XXXX. Knowing that our existing credit cards would not expire until XXXX, and, not recognizing the account numbers listed in the email I contacted Customer Service. 
I spoke to representative XXXX, who after hearing my reason for calling, very politely told me that the company had done an account review and decided that we would be better served ( better benefits ) by switching our accounts from a Visa Card to a Master Card. When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( While I do not dispute that in fact a letter was sent, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our Visa. She said that was not possible, but she would transfer me to her supervisor. 
XXXX the SR account representative basically repeated what XXXX had said and indicated there is nothing that can be done to reinstate our Visa account. She was also unable to tell me what upgraded benefits we were receiving, but assured me that the CaptialOne account terms had not changed.. She indicated that for the benefits information I needed to call Master Card directly. Additionally, she did not explain why our account was selected for this change.

We have maintained a stellar relationship with CapitalOne for several years and our credit records are impeccable.

When we applied for an account with CapitalOne, we requested a Visa account. I realize that the terms of our account with CapitalOne have not changed, however, our loyalties lie with Visa and frankly, this arbitrary decision from Capital One is intrusive and a violation of our rights as a consumer to choose a product. We were never given a choice to accept this change. 
I sent a written complaint to the CEO of CapitalOne and did receive a prompt response, however, the response echoed the same information I received from the two representatives I had spoken to earlier.

They also sent a copy of the letter that we should have received regarding this matter. The letter does advise we are being switched but nowhere does the company give us, the consumer, the right to accept ( or not ) this change.

I still do not know why we were selected. I would have liked to have bee given a choice of accepting a product we never asked for, and I would like to have our Visa product reinstated.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-Refuse to modify or consider me for a loan modification. 
-Claim that XXXX XXXX  is the owner of the Note but XXXX XXXX  Denied ownership. 
-Mr. Cooper Claim they have the right to forclose but have not shown proof of that right. 
-A ledger from inception of the loan have not been provided as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX a fraudulent check withdrawal occurred in XXXX XXXX, California and took {$3000.00} out of my account. I called Chase Bank immediately because I am located in Illinois and I did not authorize this transaction. On XX/XX/XXXX I was instructed to wait until the transaction was no longer pending. On XX/XX/XXXX I call a chase representative and was told a claim is put in and I gave the representative all of my information. On XX/XX/XXXX later that day I visited a Chase bank and had a scheduled meeting at XXXX. At that meeting I was told that there was not in fact a claim put in for my account. I was told that day by the banker that a proper claim had been filed. I called on XX/XX/XXXX and was told that my claim was approved and I would have my funds in 3-5 business days. I called back on XX/XX/XXXX and was told that the investigation was still ongoing. On XX/XX/XXXX I called again and was told by the supervisor I do not know what is going on with this, we will have to wait and see. On XX/XX/XXXX I was told by a customer service representative that I would have my funds by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received my funds nor any correspondence from J.P. Morgan CHASE regarding the {$3000.00} that they allowed to be stolen from my account. Today XX/XX/XXXX I went to a Chase Branch for an update and I am now being told my claim was approved 8 business days ago and they have no answer to why I have not received my funds. I believe because I am young and XXXX American they did not take my claim seriously and the first person I spoke to laughed multiple times regarding my issue. I believe that I have been treated unfairly and below what the protocol is in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: AR
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:
This is my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.

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 explanation
Consumer complaint received 2022-04-06
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: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX. I received my credit report and am unsure if credit score reported is indicative of my actual score. I had it checked last year and it was quite different. I have been paying my bills to my knowledge and can not recall if any have been consistently late. I received a " serious delinquency '' and " '' Past due on accounts '' from all three bureaus. I would like to know which creditors reported to the bureau of any delinquent payments, past due amounts or any information available so I can figure out which payments have been missed or whether there is any identity theft fraudulent issue used in my name that I am unaware of. Please take this matter into consideration and I hope to be in touch with you shortly. 

Thanks, 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 2023-06-28
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Winklevoss Exchange LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was made aware of fraudulent purchases made on my Gemini credit card account that occurred on approximately XX/XX/2022 totaling approximately {$850.00} by receiving emails reporting suspicious card activity. The following transactions are listed : -XXXX, {$110.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 XXXX XXXX XXXX, {$49.00}, XX/XX/2022 XXXX XXXX XXXX, {$110.00}, XX/XX/2022 -XXXX, {$7.00}, XX/XX/2022 -XXXX, {$110.00}, XX/XX/2022 XXXX XXXX XXXX, {$190.00}, XX/XX/2022 I immediately on XX/XX/XXXX sent a support ticket that I did not in fact make these purchases. I was told that I would have to wait about a week for the purchases to be posted on my account. Approximately a week later, I sent another request detailing all of these fradulent purchases. They opened a dispute case. 

About XXXX and a half months later, I was informed today, XX/XX/2022, that my fraudulent activity claim was denied. I informed Gemini via support email ( as Gemini does not have a phone line support I can contact ) that I will not be paying for any fradulent purchases I did not make, and will file a police report if necessary. I have taken steps to file this CFPB complaint to ensure Gemini does not intend to expect payment from consumers like myself that are victims of credit card fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: TN
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 disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
JPMorgan Chase closed my account down on XX/XX/2021 I had a remaining balance of XXXX XXXX stated date and is holding my money in a demand deposit account and will not send me the balance of my funds doesn't give me any reason why the funds can not get milled to my address on file and when I call to speak with them never get any answer and get placed on hold for up to two to three hours on hold and then just get hang up on because of this action that the bank is taking have my family homeless without money and without a place to stay and have to pay for motels hotels and now got us living in a homeless shelter all I want is my funds so I can pay off my mortgage and sell my house so me and my family can move on.

Company response to consumer: Closed with explanation