BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My company has increased the escrow amount of my mortgage because of an error on their part and continually refuse to look into it. I recently received a letter form the Tax Collectors of my City telling me that my taxes were delinquent due to non payment. Since this is included in my mortgage payment, I immediately called my mortgage company to have this investigated. A few weeks later, someone from the mortgage company called me to inform me that the payment to the tax collectors office was made to an erroneous account hence it was not credited to my parcel and that this was being taken care of. A year later, I got a notice from the mortgage company along with my escrow analysis report saying that my mortgage payment was being increased due to a deficit. Upon review of the escrow analysis report, I noticed that the taxes for the first year was paid twice and past the delinquent point. Again, I called the mortgage company several times to resolve this, I keep getting the run around and no one has been able to help me resolve this. It now has been more than a year trying to get this fixed to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX , XXXX has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off inXX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for Verizon, I have never had any service of any kind with Verizon. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.

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 2022-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that Citizens Bank Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way Citizens Bank is hurting its retail customers. They are unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: IL
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 a mortgage ( loan # XXXX ) with Citibank for an investment property XXXX XXXX XXXX XXXX XXXX, IL XXXX. The mortgage payment was setup on automatic payment plan. Citibank changed their internal mortgage payment plan vendor and thus the automatic plan was cancelled. I was delayed for 2 months on my payments due to this as I didnt realize the issue. Citibank contacted me and I immediately paid the balance due in XX/XX/2018. The account is now current. However the payment delay is impacting my credit score. This should be removed from my credit score as I paid the amount as also the fact that Citibank changed their internal system and voided my automatic payment plan that was already setup.

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 2018-01-09
Company: AES/PHEAA
State: TX
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 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Tuesday, XX/XX/XXXX, my housemate sent me money using paypal. She has sent money to me using the same bank account and paypal account plenty of times in the past, and it has always transferred instantly - I was able to see the balance in my paypal account immediately. However, this time the transaction showed as pending instead. 

When Friday afternoon came and it was *still* " pending '', I called paypal. They told me this transfer was an " e-check '' which takes 3-4 days to complete, but they could not explain to me *why* this transfer was an e-check rather than the same instant transfer that all her past transfers to me have been. The could not explain what made this one different, they could not speed it up, they refused to acknowledge that they had done anything wrong, and told me that it would complete on Monday. 

It actually didn't complete on Monday, it completed on Tuesday. So for a full 7 day week, paypal was holding on to our money, money that she had intended to give me, but that neither of us had access to for a full week. 

Paypal claims that when she made the transfer it would have told her that it would be an e-check, but they couldn't say whether it would have given her any other options. I tried looking at the transfer interface and it looks like if it did tell her, it would have been in light gray fine print. Not having any reason to guess that this transfer would be handled any differently from past transfers, I don't see any reason why she would have noticed that very unclear disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: The Bureaus, 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Account information incorrect

Complaint:
On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on XXXX Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround

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 2022-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on Equifax Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have not lived in the XXXX area for over 3 years and the accounts on my fill are from 2020, XXXX. I am just now moving back to the XXXX OHIO area to my old address to discover I have been compromised. This is the second or third time I have filed a complaint as well a filling an FTC REPORT # XXXX and XXXX POLICE REPORT. I am a victim of fraud and account take over for several business and credit accounts! I found an address that is on my file the was also listed as being on the National FraudDatabase : XXXX XXXX XXXX XXXX OH XXXX. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX, XXXX, OH XXXX. MY FULL NAME IS XXXX XXXX XXXX. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE DELETE THE FOLLOWING PHONE XXXX : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00}XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2200.00} XXXX XX/XX/XXXX, XXXX. 
XXXX {$470.00} XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS XXXX  {$350.00} DEPT OF VETERANS AFFAIRS XXXX {$120.00} DEPT OF VETERANS AFFAIRS XXXX {$470.00} -XX/XX/XXXX XXXX XXXX {$2000.00} -XX/XX/XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX {$390.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3500.00} XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Utah System of Higher Education
State: IL
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:
XXXX offers 0.25 % interest rate reductions if you setup direct debit. They state that one should allow 2 weeks for this application to processed. I filled out the form, mailed it in, and heard nothing for over 3 weeks. I then called to inquire what had happened. I was told that XXXX did not setup my account on direct debit for my current 3 XXXX degree loans because i had previously setup direct debit on loans i had fully repaid approximately 6 years earlier for my XXXX degree. 1 ) This does n't make any sense, and 2 ) why could n't anyone from XXXX contact me about this? A few weeks after this phone call, my first automatic payment became scheduled. Neither the payment due ( approx {$460.00} ) nor the payment scheduled ( approx {$1100.00} ) reflected the 0.25 % interest rate reduction,  so i called on X/XX/17 to inquire why. I asked why they did n't reflect the reduction and why the payment scheduled was so much larger than the payment due. I was told that the interest rate reduction would take effect the following month, after the first automatic payment, and I was also told that the larger payment was because the scheduled payments would always be for the same amount, regardless of any prepayments made. I did n't like these answers, but I accepted them. The payment was due on X/XX/17. I had a payment scheduled for X/XX/17. I checked back on X/XX/17 and found that XX/XX/XXXX canceled the scheduled payment ( approx {$1100.00} ) without my knowledge and that my account was now 3 days delinquent. I called to ask what happened and was told that direct debit always starts the month after enrollment which is 1 ) at odds with what my account previously shown and 2 ) at odds with what the other representative had told me on XX/XX/XXXX. I have had multiple issues with XXXX and their handling of my account. This is just the latest issue. I just made a manual payment on X/XX/17. I hope that this particular issue is now resolved. My goal is to bring broader awareness to XXXX 's poor quality of servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation