BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: Square Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX I set up a small business in my home which is known as " XXXX XXXX '' which is a small store for food, drinks, catering services and other professional services. 

I started Processing payment with square and square decided to deactivate my account without telling me when I'll be able to withdraw my funds after I sent the documents they asked for. 

I will never use square again because the people who got my service took the money back and square couldn't protect me in the charge back process, all they did was to refund and rule in the customer favour. 

Well, I have over {$2000.00} in my square account which square has taken the money because they don't allow me to withdraw it and they can't tell me when I'll have access to it. 

I've tried to resolve this with the company by emailing them but all efforts proved abortive. 

I want to company to tell me exactly when I'll withdraw my funds as I've read thousands of negative feedbacks from people who used square to process payment used square to proce

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: TX
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 am currently in Borrower 's Defense Forbearance. On XX/XX/XXXX I called Nelnet to take my loan *out* of the forbearance so I can restart my payments. I got no follow-up email or letter stating that the forbearance was removed. I had consolidated my loans earlier this year under the new SAVE plan so as not to have interest accrue on my loans. 

I called Nelnet on XXXX to follow-up. I was told that they had no record of my request to do this. I restated I wanted my loan *out* of forbearance. They said they would make the request to the Dept. of Education to do so. I followed-up again on XX/XX/XXXX to check on my status. They confirmed the the request was made and they were still waiting on the Dept. of Ed. I had made 2 payments on my loan since the end of the Covid deferment. 

Yesterday, XXXX, I got a letter from Nelnet stating that I had requested my loan be put *into* forbearance and that my forbearance was in fact *extended* from XXXX to now XXXX. Obviously, I did not request this. 

Today, XXXX, I called Nelnet to explain to me why I was not taken out of forbearance AND that my end date was now in XXXX ( previously it was to end in XXXX ). They had no explanation for why this happened and stated they could only make requests to the Dept. of Ed to get my loan out of the forbearance. The associate I spoke with stated it was not something that *they ( Nelnet ) * could do but had to be done by the Dept. of Ed.

After speaking with Nelnet, I called the Dept. of Ed 's Borrower 's Defense Hotline and was told it was the loan servicer 's responsibility to remove the forbearance. I explained to the person my conversation with Nelnet. The person said all she could do was send a request to Nelnet to remove my forbearance and that she could not remove my forbearance from her end. 

Both parties are claiming it is the others responsibility for getting my loan out of forbearance. It is not acceptable that neither party seems capable of doing this. I have spent many hours on the phone on hold trying to talk to my servicer about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am an authorized payor on my son 's Nelnet account. When signing into their portal, it says no payment is due at this time, but daily interest continues to accrue. My understanding is that under the XXXX plan, his payment should be no more than XXXX XXXX  of his discretionary income, which with what he makes is about {$12000.00} annually, so should be close to {$100.00} per month. I have been trying to get in touch with customer service at Nelnet for over XXXX weeks now, calling every day at different times and holding on their automated system for up to an hour and half. No one ever comes on for me to ask a question of. Their chatbot can't answer the questions I have. This morning, I got up early to be first in line to speak with someone, the automated system said my call should be answered in XXXX minutes. I have been on the line now for XXXX minutes, and it now says my call will be answered in approximately XXXX minutes. I want to know how much I need to pay under XXXX to qualify for the benefits of the program, and to prevent the loan balance from continuing to grow. I want the loan servicer held accountable for their lack of competence and inability to service customers. This is a train wreck in slow motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received an offer to open a business checking account and if I followed the terms of the promotion I would receive a XXXX deposit into the account which did not happen the term were open an account by XX/XX/XXXX and deposit XXXX into the account within in 30 days of opening the account and maintain that. Balance during the maintained period I would receive the funds 1. Make {$20.00} in qualifying deposit within 30 days of account opening I opened account on XX/XX/XXXX and made deposit on XX/XX/XXXX 2.maintain the balance during the maintenance period 3.the maintenance person begins 31 days after account is open XX/XX/XXXX and ends 60 days after account is open 4 make qualifying deposit into account business advantage relationship banking or business advantage fundamentals banking by XX/XX/XXXX my account is business advantage fundamentals. 
5 the maintenance period begins 31 calendar days after account opening and ends 90 calendar days after account opening. 

I opened the account on XX/XX/XXXX 31 days would be XX/XX/XXXX and then would end XX/XX/XXXX. And after fulfilling the required daily amount on {$20.00} in deposits. I still have not received the {$500.00} credit from Bank of America. I called and spoke to rep XXXX with BofA XX/XX/XXXX he advised to go to financial center which I did. I made contact withXXXX XXXX and gave he a copy of the email she said she would have it researched and there was nothing she could do because I set this promotion up online and as of XX/XX/XXXX I still have not received the credit.

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 2023-07-19
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Below is the account with erroneous information and Id like remedied ASAP. 

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 non-monetary relief
Consumer complaint received 2022-12-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Keep over drafting and double paying

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A wire transfer was sent from my credit union in Virginia ( XXXX XXXX XXXX XXXX or XXXX ) to Chase Bank, XXXX Fl on XXXX XXXX in the amount of {$200000.00} ( XXXX XXXX XXXX USD ) using my name as the owner of each account. In other words, I sent money from me at XXXX to me at Chase in XXXX FL. After 10 days, as of XXXX XXXX, the monies are still unaccounted for. Ive called each institution repeatedly in the past 5 days only to find that each points at the other as the problem. What communications may have taken place between wire transfer departments are unknown to me as Im told the information is proprietary. I was told that because of the amount, the Chase fraud office intervened and held the money although Chase denies this saying they do not have the funds. This transfer should have taken no more than 2 or 3 business days. Now, Im suspicious of fraud in the form of wire transfer irregularity and request your help locating and recovering our money. 

Sender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Chase Bank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: U.S. BANCORP
State: CA
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:
my credit card with Elan was used without my consent to make charges that I never received any benefit for.

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 2021-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$280.00}. It is reporting as past due. I do not know this company nor have I ever done business with them. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to one car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX XXXX am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only one inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Nelnet, Inc.
State: NY
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 have tried MULTIPLE TIMES to get ahold of NELNET. I am being told I have paid and I haven't paid and that my payments are overdue and that I am set up for AUTODEBIT. NELNET IS STILL SAYING IM OVERDUE. NELNET is adding interest and telling me that I am NOT paying. I would like to pay my student loans and I would like to find a service provider who is actually good at customer service! I AM LIVID. My next step will be getting a lawyer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2021 I sent Experian a letter disputing the XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/2021 saying they had completed their investigation and this account was verified. I disagreed with their report and send another letter on XX/XX/2021 asking for another investigation with proof of who they verified the account with as well as to delete the account. On XX/XX/2021 I received another from Experian stating the item was again verified. I sent a letter back on XX/XX/2021 with proof that the account was not being reported accurately and asked for a deletion. On XX/XX/2021 I received a letter stating they have previously " processed this dispute and the credit grantor has verified its accuracy '' and did not further investigate. I sent my final letter on XX/XX/2021 as a formal notice of my intent to file with the XXXX  and cfpb due to the erroneous account still reporting after failing to be verified with multiple requests. I received notice on XX/XX/2021 that experian verified my account as accurate. 

This item needs to be deleted from my credit report as it has failed to be verified.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: IL
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 MY XXXX  CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX  CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY EXPERIAN CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX  VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.

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 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted several disputes and submitted and FTC report for fraudulent hard inquiries listed on my Transunion report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 2021-08-29
Company: EQUIFAX, INC.
State: NY
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 today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CITIBANK, N.A.
State: TX
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:
Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that. 
I have been waiting to close completed my credit card so I can make sure I can see any additional activity. 
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.

I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen. 
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account. 
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing 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 monetary relief
Consumer complaint received 2021-12-02
Company: VALLEY NATIONAL BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Valley national bank. I've been making payments online for the last XXXX years. I tried making a payment about XXXX  months ago and received an error basically letting me know that I could have made my payment online. I called in and they weren't able to tell me why I couldn't make my payment online. So for the last XXXX months at this point I've been calling in to make a payment because I can't make them online anymore. Today I try to make my payment because it's due... .my payments have never ever been late and when I called in to customer service the customer service representative said that her manager told her that she couldn't take my payment. This is odd to me because I've always made payments with the company and since I've not been able to make them online I've been calling in to make the payments. They would not help me. I am uncertain of how to get this resolved as when you call in, you have to wait for at least XXXX minutes to speak with someone. I am simply trying to make a payment. They have made changes to my payment processing and failed to notify me. It is as if they are trying to make me payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: VA
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:
There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.

Company response to consumer: Closed with explanation