BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Nelnet, Inc.
State: MD
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:
Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my husband. 

Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - Reference ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX ( referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take 7-10 Business days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the 10th Business Day. 10th Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet several times and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Complaint for Moneygram Payment Systems Inc. 

I sent {$10000.00} to my daughters account in the XXXX reference # : XXXX on XX/XX/2022 and on my receipt it says that the money will be in her account on XX/XX/2022 or sooner but until now its already XX/XX/2022 but the money is still not there. Its a payment for the house and I am accumulating fees because of the delay. I called customer service 6 times but none of them could help me. The people I talked to just said that moneygram is doing an investigation and waiting for resolution, case # : XXXX and XXXX. I sent {$100.00} today and it went through no problem. I asked to cancel the transaction for the {$10000.00} but they said that it can not be canceled because the money was sent to the bank already. I told my daughter to check with her bank and she went there personally and asked because moneygram told me that it was her bank who did not processed it. The bank told my daughter that there was no transaction made, because if there is, then it will just go directly into her account. Theres no one to talk to to speed up the process. Moneygram customer service said that the resolution takes 90 days!! I can not wait 90 days as I have to pay my house and I loaned that money myself. Please kindly help me to get a refund or have them deposit the money to my daughters account. Thats a lot of money and I dont know where to get the payment for my house. Your quick response regarding this matter would be very much appreciated. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I visited the Bank of America branch on XXXX XXXX XXXX on XX/XX/XXXX around XXXX. I asked an associate, believe her name was XXXX based on the survey I received after my visit, to increase my ATM withdrawl limit. She did that. I withdrew money ( {$850.00} ) and left. 

Later that day I get an email ( attached ) form Bank of America that welcomed me to their Preferred Rewards program. I never signed up for this program or was even told about it during this visit. 

I called up the central BOA customer service number after getting this email and they confirmed the associate I spoke with entered me into this program. 

I actually was asked earlier in the month by a different BOA associate at a different location if I wanted to enter the program but I declined because of balance minimum and potential fees for being below the minimum - I knew I would be below the minimum shortly. 

The BOA customer service rep took me off the program and supposedly started a process to alert management. But was not able to provide any color as to what happens from here. 

If this happened to me it can be happening to other Bank of America customers. This should be investigating and BOA should be stopped.

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 2023-08-25
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit 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 have made phone contact and have sent letters twice regarding two disputed charges made by the same merchant but my credit card company has refused to offer a reply and they have simply ignored my communication

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 2023-07-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US BANK is unreasonably holding my social security deposit. 
Federal government benefits like social security benefits are protected from withholding. 
Also, generally government checks like social security checks deposited into a bank account have to be made available by the next business day. 
And your response dated XX/XX/2023 to my CFPB complaint # XXXX does not address the key issue of the unreasonable hold to my social security direct deposit completed on XX/XX/2023. 
To date, US Bank has held my social security benefit direct deposit for at least 9 days. 
The length of the hold on my security benefit deposit is unreasonable. 
US Bank did not provide prior notice for the need for a longer hold on the availability of my social security benefit deposit.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America 's refuses to credit cardholder {$2300.00} for a fraudulent transaction based on prior history the merchant submitted to BoA, and not on any documentation which proves the cardholder originated and approved the fraudulent online transaction being disputed. The cardholder does not deny having a prior history with the merchant since the cardholder was leasing an apartment from the merchant. Prior relationship with the merchant does not constitute proof that the cardholder originated or authorized the fraudulent online transaction payment of {$2300.00} to XXXX XXXX, and is the reason why the cardholder filed a fraud complaint to begin with. BoA 's automated fraud filter decided to unilaterally close the cardholders claim without allowing the cardholder the opportunity to respond in a timely manner, thus denying the cardholder 's due process rights to receive a fair dispute resolution process. The cardholder was then forced to pay the {$2300.00} charge plus {$220.00} interest charges in order to avoid his excellent credit rating from being damaged.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Equifax, XXXX, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash App closed my account with no explanation Ive tried to discuss this matter with them but they have stopped responding. I use the app frequently to send and receive money to and from friends and family. Its made my life significantly less efficient due to ATMs and ATM fees. As you can see in the attached photos I gave ample time for them to try and resolve this. I demand an explanation and the reinstatement of my account. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: TX
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:
ftc violations reported to the federal trade commission XXXX  XXXX master card  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have attempted to contact my servicer of my student loan, Navient, several times over the last 2 years regarding changes to my monthly payment. Periodically, the payment will decrease but I noticed when it does the principal starts to increase and I never can get ahead. I was encouraged by a Navient agent to utilize forbearance at one point when I was having financial difficultie. I then took out additional loans for XXXX school, some in excess of what I needed at the encouragement of both the school and Navient. When repayment began the payments were exorbitant and I was told repeatedly and sometimes with belligerence that I was not a candidate for income repayment. We have, however, not missed a payment since repayment began, but the changing monthly payments are making it so that the loan will never be paid off. I do n't know how much longer this can go on before we too default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: NC
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a business checking account with Truist. It has {$1.00} balance. I couldn't transfer it using XXXX or XXXX. I want to close the account. On or about XXXX XX/XX/2023 I chatted with XXXX to close the account but he is not willing to do so. Instead XXXX stated that go to the bank branch or send a postal mail. I insisted on closing this account by chat but he said that he couldn't

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 2023-08-25
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have received communication from Aidvantage that my loan repayment will start again soon after it was on hold during the pandemic. Since receiving that info, I have tried over the last few months to communicate with the company handling the loan with no success. 

When I call, I am placed on hold and then hung up on. I have stayed on the phone up to 45 minutes each time I've called. I have placed over 15 calls to this company. They are my only point of contact as the school I attended during the timeframe of this loan, has been closed for many years. 

I have done everything I possibly can to try and resolve this. I have also communicated via mail with no response. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: U.S. BANCORP
State: VA
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 rewards from credit card

Complaint:
I have attempted for months with no resolve to collect my US Bank credit card rewards. 

There were at least XXXX attempts by me to get the resolved on the phone prior to the complaint directly with the bank around an hour on the phone with multiple transfers. 

US Bank Case Number : XXXX opened XX/XX/XXXX nothing resolved Call : XXXX Hour XXXX minutes on XXXX XX/XX/XXXX ( transferred multiple times ). I was told the account ending in XXXX is a billing account and the other rewards card attached was closed in XXXX ( that when it was open, see attachment ). I asked for the manger to provide me a date when it was closed and was told the bank closed it not me. My statements every month keep generating rewards which I believe was a way to keep me using the card. I am still using the card daily so it does not make sense the card is working.

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 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had the issue resolved and XXXX XXXX from TD Auto Finance investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My reports continue to lie to a collection agency that collects a debt that does not belong to me regarding XXXX XXXX, to date I have not received the requested documentation on the validation of the debt and my requests to the credit agencies for investigation and correction have been ignored maintaining debt that affects my ability to acquire new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
I mailed 3 different letters to each Credit Bureau Experian, XXXX and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.

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