BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX XXXX, my payment is due on the XXXX of each month. The branch office is located in XXXX, MD, so I have to make my payment at a shared branch location because I live in another state. On XX/XX/XXXX, I went to a shared branch, the associate at the shared branch advised me to pay {$360.00}. Later that evening I called XXXX to confirm receipt of the payment, the representative told me that payment was short by {$.00}. I explained to her that the associate at the shared branch advises me to pay {$360.00} and questioned why she failed to mention the {$.00}. She had no idea. The rep told me that the best thing for me to do would be to go to an ATM and deposit some money into the savings account that I have and they would transfer the. {$86.00} to my auto loan. I drove to 4 different ATMs that night and for some reason I couldn't make a deposit. I only had the option to withdraw or transfer funds. I called back to let the representative know what I was experiencing but they were now closed. I called back the next morning when they opened and the representative that answered told me that my account was now in collections because I owed {$.00} for the XX/XX/XXXX payment and now because it was XX/XX/XXXX my account will reflect 30 days late on my credit report. I couldn't believe it, for less than {$1.00}. I explained to her that I was given wrong information at the shared branch and I wouldn't have shorted my payment by {$.00}. I also explained that another representative told me to deposit money at an ATM. She advised me that the representative gave me wrong information again. That I can not deposit money through the ATM, I can only deposit money at a XXXX branch in XXXX. The representatives provided me with incorrect information and did not give me a proper solution resulting in a 30 day delinquency on my credit report. I would like XXXX to remove the 30 day delinquency status from the credit report and provide their agents with feedback and education.

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 2020-08-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Credit Reporting Agency : Experian Account Name : XXXX XXXX XXXX XXXX They are reporting that this account was late in XX/XX/2018. 
It was in fact never late. 

I went down to the XXXX County ( NY ) Child Support office in XX/XX/2018 to get a 12 month payment history list when I saw this on the credit report and the person that I spoke to stated verbally that they over paid the mother by 1 monthly payment since they did that they failed to pay themselves. I was forced to make an additional payment due to their own error. I asked for proof of this error and she was obviously unwilling/unable to provide this evidence.

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 2019-10-15
Company: Experian Information Solutions Inc.
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:
XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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. 

Please remove these 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 non-monetary relief
Consumer complaint received 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I'm as the bank. To Stop On a money transfer On the next day I call Someone tell me She didn't see anywhere I Put Any stop payment And She tel me I have Go find money To cover For dad Bill The bank Still send t he money Where I don't want it to go N charge me {$30.00} For stopping payment I want my money back

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 2019-04-11
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We made a payment in the amount of {$3400.00}. At that time we received 2 confirmation emails with the same confirmation number. We called at that time to ensure that there was only one transaction. We were assured it had only gone through once. It has since come out 2 additional times causing an overdraft to our account and multiple hours on the phone. We worked with the credit card to credit our account at the inital mistake on their end, and thought everything was fine, and today they took the money out again!! We have no idea how to get this to stop. We dont even owe what they are trying to debit from our 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 explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS MENTIONED DO NOT RELATE TO ANY TRANSACTIONS I HAVE MADE IT IS A RESULT OF IDENTITY THEFT.

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 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XXXX XXXX I XXXX XXXX had notice that there were some unauthorized transactions charges made to my bank of america account. I contacted the bank ( Bank of America ) immediately concerning this matter, and file a dispute. I contacted XXXX and they were n't able to verified a account under my name social security, phone number, email address, I ask them why was they taking money out of my account every month. I do n't have a contract with them and I do n't receive no services from there company This is fraud Bank of america said they put a stop were XXXX ca n't take no more money out of the account. Later in XXXX or XXXX XXXX I notice XXXX again took more money out the account. I contacted the bank again concerning this matter ( Bank of America and spoke with a XXXX XXXX XXXX XXXX she 3 way called XXXX they still were n't able to verified me having a account with there company. On XXXX XXXX, XXXX Bank of America contact me and said they have completed this and as a result the temporary credit that was issue to me in the amount of XXXX will be removed on XXXX XXXX, XXXX from out of my account. This is fraud I have contacted my bank concerning this matter, and I still not be held accountable to pay someone else bill. My debt card Driver License keys was stolen in XXXX XXXX this was reported. Bank of America should safe guard my money at all times FDIC I do n't have a account with this company and never had a account and I never gave permission for no one to use my account to pay another person bill off my household have XXXX XXXX XXXX services Cable, Phone, and internet I need my money back plus all the fees Bank of America made me pay I have filed a complaint with The Illinois Attorney General and Federal Trade Commission Center concerning this matter my contact telephone number is XXXX XXXX report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX fraud claims XXXX Federal Trade report # Identity theft 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 monetary relief
Consumer complaint received 2018-01-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: BARCLAYS BANK DELAWARE
State: NV
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:
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

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 2019-10-15
Company: Valentine and Kebartas, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX. I received a phone call this evening at XXXX from what showed up on the callerID as " XXXX , PA ( XXXX ) XXXX. '' This came up as XXXX XXXX ( e.g. XXXX or XXXX XXXX ) type. The person on the other end, when asked, stated that her name is XXXX****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that the company calling me is Valentine Kebartas Inc., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, MA XXXX, and that the phone number of the company is ( XXXX ) XXXX ( ext. XXXX??? ) and this was in an attempt to collect a debt. Because I had never heard of the company and that the call came from a type associated with most scams, I stated that I would not confirm my name unless I knew the name of the client attempting to collect such a debt. The woman claimed that the company have several clients and would not provide any further information for said debt. After I stated that without the name of client, I have nothing to confirm, she then stated that the company will continue to call me nonstop.

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 2017-07-31
Company: Nelnet, Inc.
State: NJ
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:
I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing took over my XXXX XXXX mortgage account in XX/XX/XXXX. I filled out loan modification paperwork through XXXX XXXX and faxed it in before the deadline. However ; there was a transfer and XXXX XXXX transferred my loan modification paperwork to Fay Servicing. 

Now that my account is with Fay Servicing ... Fay Servicing lied throughout the whole process ; from stating they never received my paperwork [ during the initial stage - a Fay Servicing Rep confirmed receiving my paperwork ], as well as stating that the Fay Servicing account manager assigned to my account - has not had the time to look over my paperwork [ I spoke with her once and mistakenly gave her a good rating via the survey-but she actually lied too ; and stated she never had my loan modification paperwork, and that a new servicer will be taking over soon ; and that she does not see a foreclosure sale date, while also informing me to contact the Sheriffs office to look further into ] ; To [ Fay Servicing reps ] also constantly denying a foreclosure sale date when it was very much recorded on the Sheriffs foreclosure sale date list ; while additionally ; the Sheriffs office confirming that there is such a sale date. 

There had also been dual tracking, also the supervisor not willing to resolve, and making comments such as ; its a long time [ implying the need to foreclose ], you shouldnt point fingers [ at Fay Servicing ]. 

When they were no longer handling the acct ; XX/XX/19 ; Fay Servicing then mentioned that the company now sees a foreclosure sale date. How convenient - when they are no longer handing my account. 

What transpired also on Friday XX/XX/19 ; they wanted me to fill out their company loan modification paperwork. Fay Servicing stated on XX/XX/19 ; that my loan modification paperwork had been found ; that there had been missing info on the 4506T. Ok-nonetheless ; I could have rectified that issue by simply faxing it back to them. But no-they did not want the XXXX XXXX loan modification paperwork. They wanted their very own loan modification form to be completed. 

Speaking of their forms ; on the form it was noted to schedule an in-house inspection. I never heard of that. 

Usually ; from what I gathered ; the exterior is looked at. 

Moreover ; Fay Servicings modification form could only be filled out if there had not been a sale date within/before 37 days. There was definitely a foreclosure sale date within/before the 37 days ; [ that Fay Servicing vehemently denied until XX/XX/19 ]. 

On XX/XX/19 ; XXXX XXXX XXXX took over. 

So far-XXXX XXXX XXXX ... just as bad ... .On XX/XX/19 ; they did not see a foreclosure sale date ; transferring me to their lender [ how many lenders are there ] that verbally stated - he could not help me ; due to my circumstances. 

Therefore prompting me to fill out an adjournment at the Sheriffs office ; while going through the process of seeking an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information

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 2019-10-15
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called Santander. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. Santander states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally owed my utility services a balance for a gas bill. I made payment arrangements with them, and paid the balance in full XX/XX/XXXX. I have no contract with this company, and Im unaware of why theyre reporting on my credit report. I tried contacting them XX/XX/XXXX to resolve this matter with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX. I contacted amerisave mortgage. I spoke with a XXXX XXXX. I was told a wonderful story. As they say all calls are recorded. I just lost 2 bids on 2 other house over cash offers. I was shopping around different mortgage companies. The part I m upset with. I was told I had to right now pay the XXXX. It was not only to get me a fha loan but to also get me a certified pre-qualified letter. If I didn't send the money now I wouldn't be eligible for an fha loan. Don't lie. I did contact the company v email. And I did post what happend on XXXX  XXXX. I was contacted by the company and never heard form then again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief