BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am attaching a copy of an updated deed to show that the ownership has been updated to include my wife and son. There is simply no excuse for refusing a modification process in the past, and now there is more than sufficient income to validate a modification with a forbearance agreement. I am also requesting a fully detailed qualified written request, under my rights with the Fair Debt Collection Practices Act. My attorney XXXX XXXX, XXXX. has been notified by Ditech that an investigation of my file is ongoing. However, I believe that I was discriminated against as a member of the XXXX XXXX. I request a full review and approval of my forbearance/modification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: NC
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 made a payment of {$370.00} on XX/XX/XXXX. They pulled that and then another payment for {$570.00} which I did not make or authorize. No one could explain to me where it came from or how. They said they couldnt find anything on how it happened. All the can do is open a case she said. Told me it probably be easier to dispute it at the bank. So now Im out {$570.00} until someone can give me an answer. They also told me to use their email system next time, so I dont have to wait on hold. I informed her I already tried that avenue and get an automated response immediately saying that they are not answering emails at this time. The lady literally laughed at me. Absolutely ridiculous. Sat on hold for 4 hours yesterday because took out 2 payments, one of which no one could tell me why or how. Was told it would be over 6 weeks before getting a refund. This is an absolute joke. This is the third time Ive called this week. Spending more than 2 hours on hold each time just to be hung up on. I have no idea where my money is or when theyll give it back. No one seems concerned but me. I need that money back. They also turn there comments off on XXXX once they start getting overloaded with complaints which is almost every comment. Im not the only person having this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide XXXX or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX, XXXX, A, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Credit Karma, LLC
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I learned that I was locked out of my Credit Karma account. My email and password had been changed without any steps to verify identity. I know this because I could still do this step after I gained control of my account on XX/XX/2023. 

The same day, I asked for them to remove all funds from my XXXX XXXX savings account and to delete my account upon completion of the transfer. I have received no response. 

I attempted to contact customer service and they said they had not received a response from me for XXXX weeks so they closed the matter, despite me having proof that I last responded and they sent XXXX response. 

I have since tried contacting them again and receive no response, and even their customer service chat line says they can not help me and they disconnect immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been on hold for over 1 hour trying to ask Nelnet to switch my graduated repayment plan to a standard repayment plan. There is no option for a call back or information on how long you will be on hold ( it said Estimated wait time is minutes, without specifying how many ). XXXX, on XXXX and XXXX, it seems hundreds if not thousands of others are having the same problem. This is a federal loan and they have been hired by the federal government to manage it, I did not choose to work with them. Their inability to manage their customer service is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Branch Messenger, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This company Branchapp, I've already submitted a previous complaint but they said they could not do anything since it was not reported on time for the dispute. Although I've contacted them before through call about the unauthorized transactions on time and they said they would take a look at it and contact me through email if they need any more information but I never received anything from them. I need my money back ASAP! I will be moving this case to the court if I don't get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX? XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My XXXX account was closed in XXXX. I have yet to receive any mail or emails explaining why they are ending banking relationship. They are also holding money in my account and refuse to release until the account is closed but from my understanding the account is closed. I have called numerous times and told different things each time. I'm told that there aren't any notes on my account that explains my account closure. I was told that an intetnal review was done but the XXXX did not leave any notes. This is unfair and I am requesting an explanation. It has been XXXX months and I'm still waiting for my money to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXXXXXX had charged the account off without considering the violations that has taken place by the 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 2021-06-14
Company: BANK OF THE WEST
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I made a mobile deposit on XX/XX/2021 for {$620.00} and was able to see on XX/XX/2021 that it had been credited. But over the weekend when I tried to access my account online, found out that it had been locked and could not be reset. I have been trying to reach the customer service at XXXX and have spent hours. On XX/XX/2021, I received a letter saying my funds are on hold till XX/XX/2021 from the bank. The reason given was that " We have confidential information that indicates that the check may not be paid ''. This a real check issued by XXXX XXXX XXXX after closing the account there, and don't see any reason why it had to be held for this long. 

I had also contacted the bank about the change in banking hours, and also why the drive thru ATM was moved inside the building. I believe someone at the bank is not happy that I raised these questions and everything that happened in the last few days is some form of retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail from Phoenix Financial, current creditor XXXX XXXX XXXX XXXX XXXX. for a medical service from XX/XX/2018. I went to an emergency room in  XXXX, VA for a XXXX XXXX due to a XXXX XXXX. I received a bill from the hospital, and I paid it in full. Now, two years later, I receive this bill. I called and spoke with a man who said lots of people have been complaining about the same issue. The issue is that the doctor or doctors that worked at that hospital decided to bill for some sort of service WITHOUT sending a bill. They just made up a bill, and sent it to either Phoenix or   XXXX for collection. If I had received a bill in a timely manner, I would have paid it, or worked out something with my insurance. The man offered me a discount if I paid up immediately. He also said that they couldn't go back that far to have any insurance adjustment made. 
Once I mentioned that I may have to take this up with my attorney, which I fully intend to do, the man became unsure of himself, as if he had to now speak to me " off the script. '' His last words to me were, and I quote, " I will file it correctly. Have a nice day. '' So, whatever this was about now was not even filed correctly! 
I spoke to XXXX at the Ohio Attorney General 's office, who told me to contact ConsumerFinace.gov to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called the student loan company ( NelNet ) XX/XX/23 to get information about repayment for my moms account, thats on my behalf, and was on hold for over 2 hours to talk to someone. I was able to get a little information and we done the steps they told us to. While I was on the phone for over 2 hours waiting, I also sent an email. I didnt get a response back until XX/XX/23. Now that repayment is coming up ( XX/XX/23 ), and I attempted to reach them XX/XX/23 because the repayment plan has not been fixed and its coming up due for payment on that. But I was hung up on numerous times, stating their office was closed. I was attempting to call at XXXX and their office didnt close until XXXX ( this was also stated by the automated message that kept playing while I was on the phone. ) So long story short, I cant even get ahold of my servicer to try to fix the repayment plan and try to get information on how to get that fixed with little time between now and the repayment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX  years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. 
As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. 
My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. 
I hope you can help me with this situation. Thank you. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is regarding Discover Bank rejected outbound transfers that haven't been returned for 24 days or more. On XXXX XXXX, I scheduled 23 transfers from my Discover Checking to my XXXX XXXX XXXX. Each transfer is in different amount but the total is {$9600.00} ( see attached screenshot of my Discover activities XXXX. I got account suspension notices on XX/XX/XXXX immediately. I called in Discover XXXX XXXX XXXX XXXX the next morning on XX/XX/XXXX and was told suspension due to account name mismatched. This should not happened because Discover has verified my XXXX account with two small deposits on XX/XX/XXXX, as well as two successful transfers completed on XX/XX/XXXX and XX/XX/XXXX. ( see attached screenshot of my XXXX activities XXXX. Anyway, after the call, my account was reactivated on XX/XX/XXXX and those 23 transfers have been updated arrival date to XX/XX/XXXX. However, XXXX has never received them. I made another 3 calls to Discover to figure out and was told by 3 different banking specialists that all my transfers were rejected and will be back to Discover checking in 2 to 3 days. I also sent secure message via Discover online portal and this agent said Missing Transaction request was escalated on XX/XX/XXXX, asking me to wait 2 to 3 days again. However until today XX/XX/XXXX, I still don't receive my money! Neither have I received any emails regarding how they resolve the problem or escalate. No updated status of the funds. I am losing patience and don't trust Discover any more so I have to file this claim.

Company response to consumer: Closed with explanation