BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: AL
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:
The information on my student is currently incorrect. The loans from the schools XXXX University ( which is now XXXX XXXX ) and XXXX University Should of been remove and forgiven from my account due to a class action lawsuit. The amount of student loans is around XXXX in loans. Instead the loan amount is double to over a XXXX because XXXX student XXXX calculated the Consolidated student loans as additional student loans. The only loans that should remain on the account is the student loan from XXXX XXXX in the amount of {$3600.00}. When I spoke to the loan servicer Nelnet they said the information base on the what they receive from XXXX XXXX aid. I have paperwork from the school and bankruptcy courts stating the XXXX loan amounts are incorrect. I also have ledge from Bankruptcy that shows that I paid over XXXX in student loans while in Chapter XXXX bankruptcy. XXXX XXXX loan show no information on this on the site. Due to the bankruptcy payment I should get that refunded to me minus the XXXX I own to XXXX XXXX. Not sure why this is happening but it is also damaging my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called the Citi Prestige card number regarding unauthorized charge on XXXX from XXXX in the amount of {$17.00}, andXX/XX/XXXX from XXXX in the amount of {$7.00}. According to Citi, those charge originated from XXXX XXXX XXXX and XXXX XXXX XXXX respectively. 

After the automated system put me with their customer service, I informed them that I need to speak to the fraud department, and transferred me to another agent. I explained to the agent that there are 2 unauthorized charges on my balance. The agent asked is I ever gave them my credit card numbers, and I told her " no. '' She INSISTED that maybe I gave XXXX my credit card numbers, and AGAIN, I told her that I NEVER give XXXX my credit card numbers. She asked me if I'm sure that I have never gave XXXX my credit card numbers, because she claims that this came from one of my old credit card numbers. 

At that point, I requested to speak with her supervisor, and indicate to her that she is wasting my time and made another request to be transferred to her supervisor. She raised her voice at me, indicating that she is NOT wasting my time, and REFUSED to transfer me to her supervisor. I hang up the phone and call back. 

On my second call, I immediately requested to speak with a supervisor, but instead I was put on hold for 10 minutes and disconnected. 

I called back again, for the third time, and requested to speak to a supervisor. I was transferred to an agent who identify herself as XXXX, from department XXXX. I let her know about my issues with the previous 2 calls, and asked her to give me an explanation about those behavior. Instead, I was met with silence for a good 10 minutes and my line was cut. 

I called Citi the 4th time, and when someone picked up the phone, they immediately say that they are having system issues and quickly hang up the phone! 

I have been a using the Citi Prestige Card for approximately 5 years, and paid an annual fee of {$490.00}. I'm really disappointed, hurt, and angry because of the treatment from the customer service agents, especially when I'm calling about two fraud charges on my account. This is something that needs to be taken care of right away, instead the customer service agent violated my rights to dispute those fraud charges, doubt my judgement, and borderline made false accusation that I authorized these charges. 

I wish the initial phone call really just went smooth as any other fraud calls. I wish that they would put a fraud hold on my credit card, quickly overnight a new credit card 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 monetary relief
Consumer complaint received 2020-12-22
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Open Dealer Exchange, LLC
State: NC
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:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX  Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Overton, Russell, Doerr and Donovan, LLP
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just received this collection of debt on XX/XX/23. Although, I did go to the XXXX XXXX  ( XXXX XXXX XXXX ) during those dates ( XX/XX/23 ) I never received any carethey only drew XXXX  from me and XXXX  were performed. I was never omitted into the XXXX XXXX. I waited in a waiting room for an hour and then gave up and instead went to a different hospital where I received care immediately and have paid them. 

I had a very XXXXXXXX XXXXy and could have had a XXXX at any moment. This could have resulted in my XXXX. The bill from that hospital ( SVMC ), where I received care for several hours, is almost the same as this bill! How does that make any sense? 

I was hammered with a {$950.00} XXXX XXXX XXXX from XXXX XXXX. for just walking in the door and sitting in a waiting room. I have no issues paying the labs ( although, I was never given the results ). 

The collections agency that sent me the bill is : XXXX XXXX XXXX, located in XXXX XXXX, NY XXXX. 

I never received the original bills from XXXX XXXX because they used an old address for me. I still followed up through their billing portal, updated my address and noticed there was no amount due. At that point, I thought the matter was settled since I never saw a Doctor.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-05
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MOHELA Student Loan Servicing https : //www.mohela.com/ I completed the PSLF program and they set my balance to {$0.00}. 
They stopped reporting to the credit bureaus after the balance was paid and are not properly showing my credit history. 

The student loan debt still shows up on all 3 credit reports as an amount due. 
This affects my ability to qualify for credit and loans because they assume I have a payment of 1 % monthly on the original balance before the discharge. 

I received a letter from MOHELA dated XXXX XXXX XXXX that the loan balance had been forgiven through some other means besides my 10 years of PSLF payments. 
This forgiveness is stated as effective as of XX/XX/XXXX and here we are in XX/XX/XXXX and the debt is still not paid according to the credit Bureaus. 

I find their actions purposeful harassing and against Fair Credit Reporting. 
And the discharge should be backdated to either XX/XX/XXXX ( or earlier ) or XX/XX/XXXX. 
And they have no place in their online messages system to send them a message. 
Also calling them on the phone is a forever on hold, I have not been able to get anyone on the phone to complain about this issue. 
I did my 10 years of PSLF and still dealing with this kind of corruption!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

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 2021-05-24
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: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
on XX/XX/2023 I was denied a charge I had attempted for air line tickets. In disbelief I called my credit card company Synchrony Bank and they informed me that I was reissued a new credit card due to a possible Fraud situation. I was never made aware of this nor was I ever in receipt of the new card. They informed me that they sent me a new card on XX/XX/XXXX and on almost a month later ( not activating the card ) they don't follow up? Once again I have never been made aware of this " FRAUD '' situation. So I could stop using the card for purchases and help " them '' control the charges on the account. I also was never notified of me receiving a card, I think this is Fraudulent in its own right. I was also told on the XXXX that there were NO Mangers that I could speak with about this situation and that I would need to call back. I called back the next day during normal business hours to discuss and when I spoke to a manager they told me that they cant overnight me a card so I can conduct business on an orderly fashion. I don't understand what type of company believes that it is responsible to NOT INFORM the card holder that there are Fraudulent charges on his/her account as well as the current card being decline/invalid by a certain date. I think this is just another way for a Predatory ( and this company is predatory with their % rates ) company to mess with the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I had a inquiry hit for capital one card I didnt authorized.. XX/XX/XXXX I had another inquiry hit for capital one I didnt authorized I called and tried to get them removed but wasnt successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Received an email XX/XX/2023 that I had a payment due that included a missed payment from XX/XX/2023. I navigated the website that stated I should call the company. I placed a call starting at XXXX XXXX  on XX/XX/2023 and gave up after being on hold for XXXX minutes. I would like to understand why my auto debit did not process and why I am being hit with a missed payment when I was never notified that a payment was missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Our loan got transferred to Mr. Cooper on XXXX XXXX. We werent able to access the account until XX/XX/2023 to make a payment. The payment was made on this date for {$2500.00}. On XX/XX/2023, another payment was taken out of our account for {$2500.00}. Thus over drafting out account by {$300.00}. We got charged by our bank account {$30.00} for over draft fees. On XX/XX/2023 I messaged Mr. Cooper regarding the overpayment and reimbursement oh the account. When I called the number to verify information, they were unable to do this and needed to call my bank to reimburse my account. They then tried to blame myself for their error of over drafting the account. They then told my husband that the second payment would go towards our XXXX payment. However, on the app it states that the next payment for our mortgage is coming out on XXXX XXXX. I asked if they would cover the over draft fee and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX, XXXX  as well as Experian with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

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: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Transaction Amount : {$250.00} Date of Occurrence : XX/XX/2021 Description of Incident : I was looking to buy tickets to the Minnesota XXXX XXXX XXXX off of XXXX  using the below link. The link is still active now. I called the man, who went by XXXX. We talked for a while as I used to live in the XXXX area and he was telling me he was there at the time of our conversation. He could speak very well to the details of the area so I knew he had to be there or be from there. He also had a XXXX telephone number. Given the XXXX were playing the XXXX XXXX in Minnesota I didn't think anything of it. He said he would transfer the tickets to me as soon as he received the money. I used Well 's Fargo 's XXXX service to send him the money as we were on the phone together. He then said he needed to receive a code from ticket master, the ticket broker, to send me the tickets. He said they were calling him to give him the code, then hung up and never called back. I called him back numerous times to no avail. I also text him numerous times and he still didn't respond. I have the call and text logs as well. I contacted Wells Fargo and took the complaint process as far as it would go. They told me that since I voluntarily sent him the money that there is nothing they could do. My point is, there is a man using their services to commit crimes by defrauding their customers. And I can provide hard evidence. They have all of his account information and transaction history to take appropriate action to investigate the man and put a stop to him using his Wells Fargo account to defraud people and yet they refuse. This man will continue to defraud people using their services if nothing is done. 

This is the link to the XXXX ad and XXXX 's contact information. 

https : XXXX I have also provided some screen shots showing that i paid for the tickets via XXXX and never received them. Text conversations and phone records can be provided on request.

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/23, I faxed to Capital One Bank a handwritten cover letter with directions, a completed and notarized Fiduciary Agent Instruction Form, my very elderly mother 's power of attorney, and my notarized Affidavit that Power of Attorney is in Full Force. 

On XX/XX/23, I received an email from XXXXcapitaloneXXXX stating that my " request was declined because we're unable to verify your identity. '' On XX/XX/23, I wrote back requesting " additional information about why my mothers power of attorney has been declined? The application was notarized, and the notary ( at a local bank ) checked my identification and confirmed my identity. '' On XX/XX/23, XXXX of Capital One 's fiduciary services responded by email : " Capital One uses a verification system to identify and verify all of our customers. Unfortunately, while processing your request to be added as Agent/Attorney-in-Fact for [ Mother 's name ], our identification system was unable to approve and complete the verification process.that would allow us to add you as Agent/Attorney-in-Fact. We are unable to change this decision. We apologize for any inconvenience this may cause. [ para. ] You do have the option of closing out the account payable to [ Mother 's name ] by sending in a signed letter of direction requesting the account to be closed. The letter should include the mailing address where the funds should be sent and emailed to XXXXcapitaloneXXXX Have a great day. '' Within minutes, I emailed back : " I thank you for your form email. Unfortunately, it still provides no explanation of your ill-advised decision to dishonor my mothers power of attorney. Please provide me with details behind such decision and the methods used in such determination. Thank you. XXXX '' I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received debit they say I owed medicaid paid bill medical insurance debt not valid on XXXX XXXX XXXX  on collections they will not remove reported debt an open debt 6 years old please remove I been disputing it for 6 month my rights has been violated

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