BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
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:
I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is RADIUSGLOBAL XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RADIUSGLOBAL XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RADIUSGLOBAL is held liable as well for defamation and in the state of NC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had negotiated a " Pay For Delete '' with this collection agency, DIVERSIFIED CONSULTANTS in XXXX of 2019. 
I paid the debt, and they did not hold up their end of the bargain and delete the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent my dispute letter with notary attached certified mail ( USPS Tracking # XXXX ) to Equifax address XXXX XXXX XXXX XXXX, GA XXXX, which was received on XX/XX/2021. 

As of this day, XX/XX/2021, I have not received any mail from Equifax which is beyond the 30 and 45 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, 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:
I opened a XXXX XXXX XXXX XXXX  account last year to help build my credit. XXXX as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. XXXX XXXX choice to take from a XXXX card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about XXXX messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on Monday XX/XX/2018 I call my bank and put a stop payment on check # XXXX for {$2800.00} to XXXX XXXX the stop payment successful and money was return to my acct. on XX/XX/2018 XXXX XXXX was able to walk into the Chase bank and cash check # XXXX the XXXX was withdraw from my checking acct at the branch in XXXX XXXX .mi the bank had withdraw {$30.00} fee. now that tell me they are sorry but there is nothing they can do and credit my acct {$30.00} fee there is nothing they can do fore me that I need to take it up with the branch.i have a clams number that I file # XXXX clams dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: On-Site Manager, Inc.
State: LA
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 noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2018 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$5000.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 131.571 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1500.00} more to the interests ; I called the collection company " XXXX  XXXX XXXX XXXX  '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my autorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$5000.00} you will end up paying the ridiculous amount of {$23000.00} after you are done with all the payments, meaning that the Financial charge is {$18000.00} plus the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Cornerstone Mortgage Group, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX Veteran and I trusted XXXX XXXX XXXX with my private information to do right by me so my kids and I can have a home. On XX/XX/2018 I told XXXX XXXX, sales manager for XXXX XXXX XXXX   that my credit scores were above XXXX. XXXX XXXX told me if that is the case he can get me 4.125 % interest rate. On XX/XX/2018 XXXX XXXX pulled my credit and said he can get me a 4.325 %. My scores are excellent and above XXXX. I said you told me that you can get me a 4.125 %. XXXX XXXX was not being transparent with me. 

On XX/XX/2018 called XXXX XXXX XXXX and talked with another loan specialist and he told me I can get a 4.2 % interest rate with my credit scores. And he said I can buy down the rate to 4.0 % with {$2000.00}. 

I got a call from XXXX XXXX on XX/XX/2018 and he yelled at me, " You called one of my fellow employees and we can not work like that, you need to get a loan from another company. '' I told him I signed my contract and you pulled my credit reports and got my bank statements, driver license, and Certificate of Eligibility. He said, " it does not matter. '' I asked him to take the inquiries off my credit reports and return my complete file. XXXX XXXX hung up the phone in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

THANK you!

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 2019-03-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for the American Express Delta Gold Business card  on XX/XX/XXXX. The terms under which I applied were a welcome bonus of XXXX Delta Skymiles for reaching {$3000.00} in purchases within 4 months which I did complete on XX/XX/XXXX. Weeks passed and the XXXX miles never posted so I contacted them via online chat on XX/XX/XXXX and they opened an investigation into the matter. I never heard back so I did another online chat on XX/XX/XXXX and was told I wouldn't receive the bonus " due to incentive bonus offer misuse history ''. I had never been warned/notified of this before/during/after the application process. I feel I don't have a history of misuse with Amex and I'm frustrated that they haven't lived up to their end of the deal when they approved me for their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewed the response from Equifax and being referred to customer representative XXXX GA,XXXX XXXX Customer representative one would think that you are calling XXXX GA, XXXX given the information you provided after Calling the number you provided the U.S number you provided someone from XXXX answers the the call Made it very hard for me to communicate.I ask that Equifax make aware that this is a customer representative in XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX I purchased a hammock with stand from XXXX   with Paypal.. When I received the product I saw that they sent me a hammock only without a stand. I immediately contacted seller and they told me what they sent me is correct. I contacted Paypal to tell them that the order sent was not as described. I ordered 2 items the hammock and stand and only received one, hammock. Paypal closed the case without regards to the incomplete order I received. I told Paypal, I already sent back the hammock to the company 's agent that was listed on the return address label since that was the only address I had of the company. I emailed the company on 3 different occasions asking for their address and 3 times they refused to give it to me. So how can I return an item in a timely manner if the company themselves refuse to give it? Paypal by not looking at the evidence closed the case and  said I proactively returned the item and the dispute case I opened up with them is now closed. I was never aware the company I purchased from is located in XXXX. On their website it states they operate in XXXX under XXXX laws. The address label for return was sent from the US. I asked the company through emails what was the return address 3 times and 3 times they refused to give it. How am I suppose to know that they are located in XXXX and to return it to XXXX? Also, in their email to me the company said that they return 10 % of my money so I won't have to go through the trouble of an expensive shipping fee. This is the scam they used so they can keep 90 % of your money with the trick of telling you that shipping is very expensive. DON'T BUY FROM XXXX ADS. DON'T USE PAYPAL. NEVER AGAIN. LESSON LEARNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: FISERV INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I checked my mailbox and noticed I had received 2 letters in the mail from TRS recovery services stating I owe {$37.00} ( principal amount of {$12.00} + {$25.00} returned Item fee ) with the original creditor being XXXX. I contacted XXXX to investigate because I was unaware of the nature of this debt. The XXXX representative had no information about it and stated she had to transfer me to TRS recovery services. Upon speaking with a TRS agent, the agent informed me that the transaction number on the front of the letter did not match my name ( Not my debt ). In other words, stating that the debt wasn't mine and advised me to disregard the letter. I then began asking questions and showing my concerns about the debt being reported to the CRAs. The agent told me to mail back the letters and hung up the phone while I was speaking. Something fishy is going on here. I do not owe any debt to XXXX or TRS. They are violating the FCRA as this is not my debt. Please have them remove this item from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Navient Solutions, LLC.
State: NY
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 have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
While I made every effort to pay my debts and fulfill my responsibilities, in this instance Rausch Sturm was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " XXXX XXXX XXXX '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )

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