BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: J & B Endeavors, LLC
State: AZ
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 received a letter with a notice date of XX/XX/XXXX stating the amount of money I owe on my student loans and that I was eligible to participate in the " Student Loan Document Preparation Processing Services Program ''. The company provided a phone number which I called on XX/XX/XXXX, as the monetary amount that was noted to be due was accurate with what my XXXX XXXX was stating on their website. I called and set up payments to be taken out monthly from my checking account to go towards my student loans. When I called on XX/XX/XXXX, I was told I needed to submit my paystubs, which I did. I was also told what I was placed into a Revised Pay-As-You-Earn ( PAYE ) plan and that I would just have to pay $ XXXX. for 5 months beginning XX/XX/XXXX on the XXXX of each month, then after reconsolidating, I would be entered into the PAYE plan. I was told that if I worked any overtime, to let the company know so that they could adjust my account. I was told that my hours of working had to be over 30 per week in order to stay in the program and have my student loans paid down. I called again on XX/XX/XXXX as I was sent an email by a representative from their company stating that the monthly {$340.00} was set to be taken out of my checking account on XX/XX/XXXX. I immediately emailed back on XX/XX/XXXX and asked for a hold of the funds which they did not respect. I did not get an answer when calling XX/XX/XXXX ; I then tried calling the next day ( XX/XX/XXXX ), and an accounts representative answered and told me she was unable to help me and that she would only be able to set me up with a meeting with another person for XXXX XXXX MST the next day. I never received a call. When I emailed back, a different representative told me that I could call any time if I had any concerns, but I have been getting the run-around. I called my XXXX XXXX today ( XX/XX/XXXX ), who informed me that because this is a third-party company, there are unable to advise me in what I can/ can not do, but that at least filing something with the Federal Trade Commission would get me started. I intend to call my bank and have those funds stopped from being debited. I have also changed my passwords on both XXXX and XXXX as the company changed my passwords, password protection information ( e.g., city I was born in, etc. ), phone number, and email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collector : National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX   has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I erroneously sent my mortgage payment to my credit card company on XX/XX/XXXX. I sent {$2000.00} and only owed {$160.00} at the time ( statement balance ). When I reviewed my account on XX/XX/XXXX I immediately called my bank to see if the payment could be recalled and it could not. So, I called the credit card company and they stated that the payment had to clear before a refund could be processed. I called back the following business day and was told that I had a new pending charge of {$76.00} that needed to clear before the refund could be processed. I then called back the next business day and was told that it would take 21 days to process my refund. This is an excessive amount of time to electronically refund my over payment. I have always handled my account appropriately and the money was transacted in their favor in 1 business day. I need my money rightfully back so that I can pay my mortgage. I tried to resolve this with XXXX and it's as if they are not listening at all. They keep reiterating that the payment will be returned in 21 days. This is an unreasonable timeframe to electronically refund my money. I work for a XXXX XXXX and 3-5 days is an appropriate timeframe. I now can not pay my mortgage. XXXX charges me interest when I hold their money. Are they going to pay me interest for holding my money? I need my money back immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XX/XX/XXXXXX/XX/XXXXExperian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-10-05
Company: TrueAccord Corp.
State: IL
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 a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have attached screenshots of certain areas of our online credit report for today ( XX/XX/XXXX ) Our loan was sold from XX/XX/XXXX to XXXX XXXX back on XXXX of XXXX. It was later Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with an transfer date of XX/XX/XXXX. It was also later Service Transferred from Shellpoint Mortgage Servicing on XX/XX/XXXX ( this year ). We have made XXXX total and payments to the Shellpoint starting on XX/XX/XXXX to XX/XX/XXXX. They have yet to update the credit bureaus with the correct information. The data is very different from each of the credit reporting companies. In the 17 payment period with Shellpoint, we were never able to get them to correct any of the incorrect reporting. Our hope today is to get the data reported correctly. In the attached screenshots it shows the incorrect reporting. They have attached " including purchase money first '' to type of loan. When asking about that attachment, the person at the credit bureau indicated it was a very negative thing to have associated with a loan. It is not in out loan documents and could never be associated with our XX/XX/XXXX loan, and in no way should it be associated with anything after the loan sale. Can that line be removed from our credit report as well as the other corrections shown in the screenshots. Our XX/XX/XXXX report has the last payment made showing in XX/XX/XXXX, but shows " last payment '' for XXXX. Please correct in all three credit bureaus to show that all payments were made including our XXXX payment. Also remove the " no data '' reporting XXXX before XX/XX/XXXX ) in the XX/XX/XXXXreporting. Please and for once rightfully update all credit reporting agencies with the correct data. And finally please close out the Shellpoint Servicing just as was done with Nationstar before the transfer. There should never be any activity reported prior to the transfer. The XX/XX/XXXXshows last reporting on XX/XX/XXXX, but does not include the XXXX payment we made to Shellpoint on XX/XX/XXXX - please correct this as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: AES/PHEAA
State: MA
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:
Partially motivated by frustration with the company 's ( Fedloan Servicing ) customer services and also fear that the PSLF would not last 9 years, I decided to consolidate my federal loans with a private company ( XXXX ). Before the consolidation was applied, I made very large payments to my federal loan account. The payments took many weeks to apply and then the consolidation payment was applied to the account. I called several times between the months of XX/XX/XXXX and XX/XX/XXXX to determine when the refund would be processed. Because I made large payments and consolidated, there was an overpayment. I was told it would post in 60 days, then in 90 days. After 90 days, I was told the refund would post " soon. '' Finally, a refund posted to the account of the consolidation loan. The amount was approximately {$10000.00} less than the amount I was owed. I have attached a spreadsheet to document my payments, and also, the amounts in question. I also emailed the company on XX/XX/XXXX and XX/XX/XXXX and the company never responded. Further, the website will not let me access a payment history, so I must use my own bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was sold to Lakeview Loan Servicing LLC.  I received an initial notification letter and request for home insurance information in XXXX, and a statement in XXXX. I did not receive an XXXX or XXXX statement despite many calls to rectify this lapse once I realized what was happening and was being charged a late fee. The late fee was waived after a call, but the statements are still very erratic in arriving before the date in which I would incur a late fee and often do not arrive at all. I have called multiple times and have sent a certified letter requesting all my correspondence to be sent via US mail. Recently, I called and spoke to a supervisor, XXXX XXXX, who informed me that my file was correct and that the statements are going out. I have spoken with the postal service on different occasions and have been monitoring the mail coming into the XXXX hub. My XXXX statement still has not arrived and is due on XX/XX/XXXX. I have asked to have the mail tracked as the postal service suggested but Lakeview will not do this. I am not having difficulty with the delivery of other mail. I believe this to be a problem with the loan servicing company and request assistance with getting regular monthly statements in a timely fashion ( before the payment is due ) by US mail. I do not want online statements and feel that they are trying to force into this because on every call they try to get me to take my statements online.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Can't remember the dates but wells Fargo had taken over {$300.00} that had overdran my account then they took an overdraft fee from my account when they were the ones that caused the overdraft!!!

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 2020-12-12
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was notified that I had a new high impact collection on my transunion credit report by bonneville collection XXXX. The amount owing was the exact amount I owe for a debt to Idaho connections credit from a car loan that I stopped paying on in XX/XX/XXXX and is due to fall off my credit XX/XX/XXXX. I was very confused how the same debt was being reported on my credit twice. The following morning I contacted bonneville to get clarification and they confirmed they were indeed trying to collect the XXXX car  debt and it wasnt there problem if it was on my credit report twice. I questioned when the debt would fall off my credit, although I would still be responsible and the debt collector told me I was wrong it would not fall off 7 years from my last payment that since her off had revived it in XXXX of this year she would continue for the next 7 years to make sure my credit was impacted. I attempted to contact XXXX  as I couldnt believe this information. XXXX at XXXX sent an email saying that she would have the XXXX account flagged on my account, removing it but allowing bonneville to continue to pursue me for the next seven years and hurt my credit even though I have paid that price for the last seven years all ready. I contacted transunion and spoke to a representative about this and was told all I can do is dispute it as debt collectors constantly do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I the the original creditor and federally protected consumer have recently obtained my credit file and noticed an inaccurate and unverified account being placed on my account negatively and reporting to the three credit bureaus. This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. These entities are a third-party debt collector and have no right to my Consumer Information. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations.

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 2021-04-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
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 had my truck financed through Nissan Finance, known as Nissan Motor Acceptance Corp. ( NMAC ). I traded the truck in to a 3rd party dealer on XX/XX/XXXX. Upon trading in the vehicle, I was informed not to make any additional payments and that the 3rd party dealership would handle the payoff. I signed a release of interest on XX/XX/XXXX. The 3rd party vendor sent in the payment which did not get to Nissan ( NMAC ) until the first week of XX/XX/XXXX. This caused a missed payment which was due on the account on XX/XX/XXXX. 

I called up NMAC explaining the problem, and requested to have the late payment removed from my file for the month of XXXX. They explained the process, being a written letter from the 3rd party dealership explaining the circumstances of the missed payment. I obliged and contacted the dealership, having them send in the letter and a copy of the release of interest. The letter was immediately denied by NMAC as it did not conform with the " verbiage '' needed in the letter. I called and spoke with a manager at NMAC about my dilemma, she expressed it should not have been denied and resubmitted it. Denied again. I spoke again with her, at which point she told me why it was denied, and how to correct it ( change the verbiage in the letter ). I did so, had the 3rd party dealership resend the letter specifically taking responsibility for the vehicle and the delinquency, and now get radio silence from NMAC. Delinquency still shows for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted XXXX XXXX XXXX on XX/XX/17 and asked them why they accessed by credit file on XX/XX/2017 and why they have put a Hard Inquiry on my Transunion credit file without my authorization they transferred my call around and I got no reply.

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