BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: OH
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:
Since XXXXXXXX XXXX  XXXX I have made {$16000.00} worth of payments on my Department of Education held loans from my XXXX years at XXXX XXXX XXXX  ( XXXX ) via my designated loan servicer, Nelnet. On XX/XX/XXXX I called Nelnet and requested refund of a {$7800.00} payments made made on XX/XX/XXXX, as provided for under the CARES Act. The Nelnet representative told me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. On XX/XX/XXXX, I called again, this time to request refunds of 3 payments of {$510.00} ( each ) made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Again, the Nelnet representative advised me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. They advised me to call back if refunds were not received within that timeframe. It has been 6 weeks from the first request and I have not received any refunds nor has my balance been updated to reflect any of the requested refund amounts. I called- as instructed previously by Nelnet- to check the status of my refunds and loan balance update, and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could affects requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. This is asinine for multiple reasons, but most significantly because this will prevent me from applying for {$10000.00} of loan cancellation to which I am entitled under the recently announced forgiveness plan before the end of the year when payments restart. Nelnet is effectively holding my money XXXX to force payment of some interest to them on my loans into XXXX, as if my loan balance is not updated until XXXX, then it would be XXXX before I could expect cancellation, given the reported timeline from application to cancellation is ( at least ) 6 weeks. This will effectively force me to pay interest on loans I've already paid off, which should have been refunded, and which should be forgiven before end of year. All payments on my student loans to Nelnet have been made electronically from a major bank and can easily be reversed electronically- this takes only 3 to 5 business days for almost all financial institutions. Additionally, a timeline of 3-4 months was not the agreed upon terms of the refund and I was not advised that the refund could take until the end of the year during either call in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: CT
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 fair credit reporting act convergent account XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2020-09-17
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has denied my requests in the past to lower my payment to a manageable amount. They instead continue to request a deferment versus assisting me with this matter. I also applied for the Public Servant Forgiveness Program, in which Navient failed to act. I am a public servant and have been for 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: AL
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:
Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit

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 2019-07-25
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 5 calls today from Synchrony Bank, the credit card comply for Gap. XXXX and 3 calls from the number XXXX called me three times yesterday. They do not leave voicemails, just call again and again. This has got to stop!

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because XXXX, Transunion, and XXXX all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.

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 2020-09-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
PHONE # on card not working, the statement in XXXX i never got, so they were not going to chg interest, the XXXX statement i got they chg interest for the XXXX billing. so i going to tk off XXXX i believe from the bill, and for them to get a working # so i can call them. 

i on the nx page its jcp but its not XXXX XXXX its symbony bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an account without my written instructions. 15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a 1099-C which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.

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 2020-09-17
Company: FlexShopper, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX, XXXX was repeatedly phoned on my cell phone and place of work. On XX/XX/XXXX spoke with woman who said she was private investigator hired by company in reference to transaction in XXXX, she was hired to serve papers to me and that she would be speaking to my supervisor to find out my next day of work to know when she could serve me with papers

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 2017-12-16
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase.com provided special access keys after I deposited funds. The ID, XXXX, and " Secret Seed '' provided by Coinbase do not work and I 'm locked out of my account. Coinbase has a phone number that never gets answered even after hours on hold. They auto drop many calls. The email support is almost non existent and takes a week or longer to get a reply that does not fix anything. 
I 've have been trying for many weeks to get any support from them but it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.

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 2018-07-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I HAVE COMPLAINED ABOUT THIS SITUATION FOR 10 YRS IS ANYBODY LISTENING OR WILLING TO HELP. NOW THIS IS SENT TO ANOTHER COLLECTION AGENCY WHICH IS CALLING PPL HARASSMENT GIVING THEM PERSONAL INFORMATION. I DID NOT REPEAT DID NOT GO TO THE SCHOOL I DECIDE I DID NOT WANT TO ATTEND. I HAVE SAID THIS OVER AND OVER. NOW I RECEIVED A LETTER FROM THIS COMPANY ABOUT GARNISHMENT FOR WHAT. I NEED HELP OR PLEASE DIRECT ME TO SOMEONE THAT CAN RESOLVES THIS FOR GOOD. OR I WILL HAVE TO SUE THE COMPANY FOR CONTINUE HARASSMENT AND NOT LISTENING TO THE RESULTS. THANK YOU FOR YOUR HELP, XXXX HELP US AGAINST THESE COMPANIES LOOKING FOR FAMILY MEMBERS AND HARASSING SENIOR CITIZENS EVERYDAY!!!!

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 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.

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 2018-09-11
Company: CITIBANK, N.A.
State: TN
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:
In XX/XX/2018, I had applied for and was approved for the Citi ThankYou Premier credit card. The sign-up bonus offer at the time was 50,000 ThankYou points after {$4000.00} spend in 3 months. I was well aware of the Citi bonus offer language which stated the following : " Bonus ThankYou points are not available if you have had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card OPENED or CLOSED in the  past 24 months. '' I was aware of this because when I went to close my Citi Prestige Card after one year ( opened XX/XX/XXXX ), the Account Manager informed that if I closed the account, my 24 month clock would reset, BUT if i merely downgraded to the Citi ThankYou Preferred card ( No annual fee ), then that clock would not reset and I would only have to wait 1 more year ( instead of 2 ) to sign up for any other ThankYou cards and be eligible for the applicable sign-up bonus. 

Therefore, I did what the Account Manager recommended and downgraded to the ThankYou Preferred. After 1 year passed, I contacted Citi via the online chat and verified my eligibility TWICE, both times receiving confirmation that my 24 month window had passed and I could apply for the ThankYou Premier and be eligible for the bonus. 

After meeting the minimum spend requirement, a couple billing cycles passed and still had not received the 50K bonus points. Upon contacting Citi about this, I was passed around to multiple agents/representatives who all had different takes on what the ruling was. Finally I spoke to someone who first claimed that ( 1 ) " downgrading/any activity is the same as closure or opening of an account ', ( 2 ) " it is against federal law to award me the points even if I was told something in error by a prior representative '', and ( 3 ) " if I was aware of the bonus language, then I should be smart enough not to apply for the card. '' After speaking with the incredibly rude individual, I called back and asked to speak with a supervisor. I requested that the online chat transcripts AND the original phone conversation recording ( from when I downgraded the Citi Prestige ) be pulled for investigation into this matter. I was told I would hear back in 7-10 business days, but it has been over 3 weeks with no response. 

At the end of the day, the account downgrade/product change was NOT an opening or closure of an account. Citi representatives continue to misstate the offer as " any activity on the account in the past 24 months '' but the terms of my application do not clearly say that, AND I was told my a Citi representative that a downgrade does not reset the 24 month clock.

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 2023-08-29
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX XXXX XXXX and XXXX XXXX  Veteran. I had an XXXX XXXX visit that resulted in admission and XXXX XXXX. I advised the VA of my admission immediately. I was admitted in XXXX of XXXX and now I am receiving collection from Ability Recovery Services for over {$1800.00}. I've notified VA Community Care National Office with this information. The collection is now on my credit report.

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 2022-12-18
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: Reporting company used your report improperly

Complaint:
I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XXXX  XXXX XXXX Opened XXXX XXXX, 2017 no balance but showed i paid {$51.00} is reporting on my credit report and this account does not belong to me. I don't know who the company is. It is hurting my report.

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