BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This is my second complaint to my mortgage company from my first complaint in XX/XX/XXXX regarding the same issue. My mortgage company Newrez LLC continues to pay my property taxes under the incorrect tax parcel number and incorrect amounts after repeatedly informing them that my current parcel number is being divided, and therefore, the amounts being reflected is incorrect. I asked that they should pay my taxes only after I submitted corrected tax bills from my county office which then they can pay it or adjust any differences back to my escrow account. My mortgage company did not do that and continues to pay my taxes in the incorrect amount. Even after I submitted the corrected tax bills ( which is called a pay by legal bill with an ABL number instead of a parcel number ) to them, they also pay my corrected tax bill WITHOUT adjusting any difference of the first bill they had paid back to me or refunding me a full amount of the first bill. Because of this, they continue to use the incorrect tax amount to calculate my monthly payment and escrow analysis, causing my escrow account to have a very high negative balance and expecting me to pay it. I was told many times by them that an adjustment would be made when I submitted the corrected tax bills but that never happened. Right now, I can barely afford to pay my mortgage payment if it continues like that. 

My county office ran a report of the amounts under my undivided parcel number in the amounts that Newrez had paid, and also the amounts from my XXXX XXXX  XXXX ( XXXX ) bill which is the actual amounts that I am responsible for paying. I have attached the report to this complaint. This is for both tax year XXXX & XXXX, specifically XXXX XXXX installment ( XXXX ), XXXX XXXX installment ( XXXX ) and most recently XXXX XXXX installment ( XXXX ). I have not received a full refund on any of these and my mortgage company continues to make me do a full monthly payment including the wrong tax amounts they had paid for me in order for me to clear my negative escrow balance. 

I am in need of any assistance and resolution as this continues. If my mortgage company can not fix any issue on their end or accommodate my payments I will plan to sell my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: U.S. BANCORP
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
There was fraudulent use of my US Bank credit card on XX/XX/2022 by a non existent company for {$2900.00} through a XXXX  payment device for " kitchen remodeling '' that I immediately reported to the credit card company ( US Bank ) as fraudulent. The credit card company initially cancelled the charge and said they would investigate. After multiple " thank you for your patience '' emailed case updates from the credit card company the fraudulent charge was placed back on my account on XX/XX/2022 and deemed by US Bank as a valid and authorized charge. They mailed me their " findings '' but there was no information in that paperwork validating the transaction. To the contrary, my personal contact information listed in their investigation is not correct but they either failed to notice this inconsistency or simply ignored it. After speaking to US Bank directly to again dispute the validity of this debt they refused to investigate further and deemed the situation resolved and the investigation closed. As a result of this lack of reasonable action on their part I have paid all unassociated debt on that account and cancelled the card. Additionally I have filed a police report for financial fraud and identity theft and sent them a letter enclosed with a copy of that police report demanding the debt be removed completely along with any associated fees or penalties. 
US Bank continues to claim I owe this debt and are charging interest on it as well as making derogatory remarks on my historically exemplary credit report. 
I need help resolving this issue and help making sure it does not happen to someone else.

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 2022-12-27
Company: Opportunity Financial, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday, XX/XX/XXXX I withdrew {$40.00} from an ATM but the ATM charged me {$140.00}. I called the number on the ATM machine ( XXXX ) to let them know. They wrote up a case number ( XXXX ) and told me to contact my bank ( Chime ). I contacted Chime and they said they would refund the {$100.00}. I didn't receive the funds so I called Chime back on Friday, XX/XX/XXXX. I XXXX the number and the number that came up was XXXX. They answered with using the name Chime and stated their name as XXXX XXXX. I told them why I was calling and they walked me through several prompts and all of a sudden all of my money was taken from my account and the guy said I would have it all returned within two hours and he hung up. I later spoke with a family member and they said it sounds like I was scammed even though I called the number that XXXX had listed for Chime and the phone was answered as Chime. I then called the number on back of my Chime card to explain the situation to them. They said they would investigate. they replied in less than 24 hours and said that they had investigated and found no error occurred. I don't understand how they could have completed their investigation in less than 24 hours and say that they will not refund the {$100.00} that I was charged for by the ATM but did not receive or they would not refund the money that the scammer posing to be Chime took from me when I called the number listed on XXXX as Chime. I am pretty sure that Chime is FDIC insured and don't understand how they can not return my money. I went on XXXX and found someone else had posted on XXXX  that a similar thing happened to them. I am a XXXX XXXX veteran and XXXX XXXX XXXX that lives off of my XXXX so any help you can give will be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2023, I contacted M & T Bank Corporation to opt out of the sharing of my personal information with non-affiliated third parties. 

Despite my request, M & T Bank Corporation has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.

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 2023-12-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted my IDR plan renewal to Nelnet via studentaid.gov in late XXXX as usual. The application has been " in process '' by Nelnet since. They have sent emails regularly informing me that it is in process and my loans are in forbearance until then. I also received emails telling me the application would not be processed until XX/XX/2025! 

I've struggled to get in touch with Nelnet. Hold times range from 2-5 hours even calling first the in the morning. The one time I got through, back in XXXX, the agent did not know any answers to even basic questions ( ie : information about different repayment plans ). I asked if this forbearance would negatively affect my track record of repayments and renewals ( as you need to be consistent to qualify for forgiveness after several years of repayment ) and I was told it would not. I wasn't confident in the agent 's response given that they didn't know answers to any other questions about the plans and hadn't even heard of others ( such as the SAVE program ) and so I asked if I could have this sent to me in writing. I was told that they would. However, to this day, I have not received any such correspondence. 

I am not able to wait on hold for over 2 hours hoping to get through to someone who may or may not be able to help me- it is entirely unrealistic short of calling out of work for that day to do so and losing the desperately needed wages to pay back these loans. They do not have any callback feature to mitigate this. 

Additionally, now I need to update my IDR repayment plan application due to a change in income and will submit a new app via studentaid.gov -- - however, with the prior application still in process with Nelnet I am concerned with how this will disrupt things. 

I have no confidence in this company managing my student loans ( over $ XXXX ). I am hearing from others who are having significant issues with their payments being mismanaged or double-drawn -- - and again being left with nearly no way to get in touch with Nelnet for reconciliation. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I received an email from Bank of America ( XXXX ) for a XXXX XXXXXXXX XXXX XXXX XXXX credit card. The offer was {$750.00} cash back after spending {$5000.00} in 90 days. 

I decided to apply for the card and followed the instructions on the email, which was to call a XXXX XXXX XXXXXXXX to apply at XXXX. 

I did that, and spoke to XXXX XXXX ( XXXX ) He asked me to forward him the email showing the offer I received, which I did on XX/XX/2023. 

I applied over the phone, and he explicitly told me that I would receive the {$750.00}, and to ignore what the terms on the actual application said. 

I was approved for the card, and spent {$5000.00} as required by the offer, but I only received {$300.00}. 

I tried to reach out to XXXX XXXX multiple times ( XX/XX/2023, XX/XX/2023 ) via email but was unable to reach him or get a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-21
Company: Navient Solutions, LLC.
State: MI
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 had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be  published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX  and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX  and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: HI
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:
Transferred from great lakes to Nelnet in XXXX of XXXX. I went from XXXX to XXXX in one month on loans that have interest currently paused. Reporting that I am missing payments to the credit bureaus. No login info provided to check the website, so I can not get into my account at all in XXXX  months since transfer. Emailed twice, the first time after my interest statement on my credit report on XX/XX/XXXX and again on XX/XX/XXXX with no response. Wait times of XXXX hours + every single time I call, no matter time of day. Disconnected and representatives are not aware of financial info. No physical mail sent to me, nothing...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Well first of all the whole car buying process was thru texts with dealership. He drove the car from XXXX to XXXX and I put XXXX cash down on the car which was XXXX. The dealer made a verbal agreement that if I put XXXX down I can get it for XXXX. My car was total and they say my payoff was XXXX plus, but when I look at my last statement its a little over XXXX left. I payed XXXX  month car note 5 years plus XXXX down XXXX looking at XXXX for a XXXX car. Basically I got played and my pay off is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-18
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out to address a critical matter concerning CAINE/WEINER 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by CAINE/WEINER is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX I sent a dispute to XXXX, XXXXXXXX XXXX XXXX yet 3 years laterXXXX and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Fairway Independent Mortgage Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This mortgage company has incorrectly listed my house as in foreclosure and subsequently up for auction. This issue has been ongoing since around XXXX of 2022. When we contacted Fairway months ago when this first began, they said they weren't sure how this issue arose but that " they were looking into it. '' We have also consistently been told throughout these months that our mortgage is in fact up to date in Fairway 's system with no reason given for why it has been listed as foreclosed nor why it is listed as " for auction '' on multiple websites ( including popular real estate page, XXXX ). Throughout this issue, our credit reports and scores have also incorrectly reflected a foreclosed mortgage and late payments. Since this issue began, we have had lots of unwanted post-mail, email, phone calls, and unwanted visits to our personal home/residence by strangers wanting to buy our house and/or help with foreclosure. After this began, Fairway told us they hired a law firm to handle our issue. We were in frequent communication with that law firm and Fairway, and the unwanted visits and mailings/calls seemed to decrease for a time ( but not completely, nor was my credit report ever corrected ). Within the last 2 weeks, however, we have been informed by a new/different law firm that they have taken over our issue from the initial law firm we had been working with. We called Fairway to confirm this, which they. Since switching to a new law firm, we have again had frequent unwanted calls, emails, and visits to our personal home. This all has led to many frustrations and fear for our family 's safety at our own home due to the visits from unwanted people. We have also spent money and time on a sign for our yard to further dissuade unwanted visitors. We have spent many hours talking with Fairway and lawyers, yet Fairway continuously gives us the run-around when we ask why this is still an issue and why we continue to have inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation