BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: Nelnet, Inc.
State: IL
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 repaying my student loans since I graduated in XXXX through the Income-Based Repayment Plan ( IBR ), which requires annual recertification and submission of documents to demonstrate my income, upon which my payment is re-calculated annually. My student loans are serviced by Nelnet and are due for re-certification on XX/XX/XXXX. I attempted to recertify on XX/XX/XXXX through their website, at which time I received a message that I was ineligible for the IBR and to call the servicer. I called and was told that my income is too high to qualify for the IBR and instead, I would need to start paying in a standard term repayment plan, which would cause my payments to be approximately {$1400.00} per month. They are currently {$280.00} per month and I can not afford an increase of more than {$1100.00} per month. Moreover, my income has not changed significantly to warrant such a high payment, and my eligibility should not have changed either, as the IBR only requires a partial financial hardship ( which a standard repayment amount would be ). I advised that this could not be correct and was placed on hold for a length of time so the person I was speaking with could confirm that what she told me was correct. After that time, she confirmed I was no longer eligible for the IBR but could articulate why, other than to say that my loans were no longer eligible but gave no explanation. I spoke with an account supervisor, who told me I was ineligible for IBR as well but that based on my income, my new payment amount would be approximately {$950.00}. He could not tell me why the amount was different or why my eligibility changed either, but then he re-ran the numbers, admitted me made an error in his calculation and that my new payment would be {$530.00} per month. During a 75 minute conversation, I was given three different payment amounts and no explanation for why I am no longer eligible for the IBR. I feel the information is incorrect and unsubstantiated but I do not know how to get good information or what to trust. I feel this is an annual occurrence with Nelnet and that they have no idea how to properly service my loans or provide accurate information. I am very concerned that they will deny my IBR re-certification, causing me to go into a standard payment plan that I can not afford and also causing my interest to capitalize, which happens if my payment plan changes. This will cause significant financial harm to me and my family if it happens and I am looking for help to deal with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. 
XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. 
XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX  that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. 
XX/XX/XXXX : Recd collections notice for balance due on XXXX. 
Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. 
It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. 
All documentation has been provided to all three credit reporting agencies which will confirm all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: All Credit Considered Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I was approved for a loan. I signed all required documents. I submitted all paperwork requested. I paid {$470.00} for an appraisal at the lenders request. I acquired insurance at the lenders request. On XX/XX/2019 I signed a Closing Disclosure. After signing there was no response. Eventually we were told a " calculation '' error was made by the lender. No one would respond to numerous calls and emails from myself or my mortgage broker. Finally once we escalated our concerns. On XX/XX/2019 at XXXX. I received and email rescinding the loan offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your Capital One bank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX and again XX/XX/XXXX related to that application. An official dispute of this information was provided to Capital One Bank XX/XX/XXXX however as of this date Capital One Bank has failed to reply to the status of the investigation as is their obligation. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I called Wells Fargo about getting a refund on a return to a closed bank account. The banker that I spoke to said that I can still receive refunds on my closed Wells Fargo account before XX/XX/2021. XX/XX/XXXX was the 30th day of my bank account being closed. The banker told me that once they receive the refund then I would be getting a check in the mail. She also told that it will take about 3-5 business days to process any refunds so I made sure to go before. On XX/XX/2021 I went to the XXXX XXXX at XXXX, CA to return my online order. I returned my order ( order # XXXX ) in store and I would be getting {$93.00} in total. I was given back {$8.00} in a gift card, which I then cashed out for cash instead. Then I was told that the rest of the balance that is {$85.00} would go back to my Wells Fargo account ending in XXXX, which was already closed, but since I was told by the banker that I would be getting a check I let the refund go through. I waited and called back the next week and I was told my Wells Fargo that they have not received any refund from Gap. I then called Gap customer service, but they told me that they have already processed it and to wait a few more days. Around the week of XX/XX/2021 I called again and they kept circling back to what was already said to me that I should call Wells Fargo or the merchant. I did those things but there is no progress being made at all. They kept telling me to call back the next week to see what would happen to the money but still no progress from both Wells Fargo and XXXX. XXXX XXXX research department gave me a tracker number for the refund, but when I told Wells Fargo about it, Wells Fargo had no idea what that number was. XXXX XXXX customer service would hang up in the middle of the call because they can not resolve my issue. It would be better for them to tell me to call back the next day rather than hanging up in the middle of the call with no progress. Wells Fargo 's representatives are also clueless about being able to receive refunds on a closed account as long as its before the 30th day of the account closing. They needed to keep checking on someone higher up. Call times would be shorter if they are all in the same page. It is so frustrating having to call back almost every day for 3 weeks and having told the same thing while nothing was happening to be able to move forward for me to get my refund 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 non-monetary relief
Consumer complaint received 2021-04-07
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 is missing that should be on the report

Complaint:
All three Credit Reporting Agencies XXXX Trans Union XXXX Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/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 2021-04-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
All three Credit Reporting Agencies XXXX XXXX XXXX Experian Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/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 2020-12-12
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In mid XX/XX/XXXX I paid a debt owed from XXXX XXXX Hospital through XXXX XXXX XXXX. In XX/XX/XXXX I received a collection notice on my credit report from XXXX XXXX XXXX for this debt which I have already paid. I never received a notice by phone or in writing from XXXX XXXX XXXX concerning this debt. On XX/XX/XXXX I saw that the FTC ruled in a judgement against XXXX XXXX XXXX that they are to remove all parked debt from credit reports. This has not happened. In addition, the debt has been moved to Consumer Adjustment Company, Inc. This was done to circumvent the FTC 's ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Recently signed up for a Best Buy store credit card and they created an account and subsequently canceled my order so I also canceled my credit card. 

Meanwhile they never sent a card or statement to me ... the only reason I know of a statement was because they sent a vague email notifying me of a statement. 

Meanwhile I can't login online to see anything since they never sent me a card. When they claim I had to have a card to create the online account and opt in for estatements. 

This is a blatant lie on their part, and a major gaping hole in their systems if they think they can send an estatement to people that don't have cards and have no means to login and pay. 

-

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 2021-02-26
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased coins from XXXX XXXX in an online auction. When the coins came in, they were counterfeit. The terms and conditions state : All items are sold as is where is without warranty or guarantee. It is the bidders ' responsibility to verify the integrity, condition, and Authenticity of all goods before bidding. We do not test or verify any items sold in the auction. 
However, the seller user terms state : You represent and warrant that any Listed Item ( s ) placed by you : are owned by you, or you have the legal right and authority to sell such Listed Item ( s ) on behalf of the legal owner ; are free and clear of any and all registered and unregistered liens, security interests, tax or duty obligations or other encumbrances or contrary claims whatsoever, except as expressly disclosed by you within the applicable listing ( the " Encumbrances '' ) ; are in good operating condition, free of material defects, except as disclosed by you within the applicable listing ; have not been modified or tampered with in any manner that would be contrary to applicable legislation or misleading to a Bidder, including, but not limited to, tampering with emission control devices ; have not been fraudulently obtained, and are not stolen or counterfeit ; They are required to represent and warrant items are not counterfeit. This information is located in the auction information with XXXX XXXX  logo and name on the document. Since they are required to represent and warrant the items are not counterfeit, they are not permitted to change that in the terms and conditions. The coins were purchased on XX/XX/2020 in the amount of XXXX XXXX Dollars. Barclay has so far agreed with the seller saying the terms and conditions override the fact they are required to represent and warrant items are not counterfeit. XXXX XXXX agreed to represent and warrant all items are not counterfeit and since they don't set the auction requirements, they can not make changes to the requirements in the terms and conditions.. I have communicated with XXXX XXXX and Barclay Credit Card about this issue and have requested a refund, but up to this time have been denied by both companies.

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 2018-02-18
Company: CITIBANK, N.A.
State: OH
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:
This started on on XX/XX/XXXX / i get paid from my employer on a weekly bases / so i make weekly payments to all my credit accounts/ when i got this card i was only given a {$500.00} limit / so when i use it weekly my balance gets high so i make payments weekly that way i have avil credit to use the card and to gain more rewards / i made a payment on XX/XX/XXXX amount XXXX / then the follow week i was about to make another payments however i noticed my avil bal was lower and didn't reflect my balance / so i called XX/XX/XXXX talked to a rep and she stated it was due to me making weekly payments and only 2 or 4 % off all payments we held / and she was able to release the funds since i had a good history / and she advised me that i would need to call in to make a debit card payment since they don't hold those payments / so i made a debit card payment onXX/XX/XXXX for {$120.00} and it wasn't held / so then on XX/XX/XXXX i didn't have time to hold to talk to a rep to do the debit card payment so i did it online / then when making a payment onXX/XX/XXXX i noticed they held the funds from my account again for the full amount of this payment / called and was told sorry no one you can talk to about this to call back and talk to a payment dept / So i tried calling todayXX/XX/XXXX due to my acct having a {$20.00} balance but only having {$210.00} avil out of my {$500.00} credit limit / this is really effecting my credit utilization and as well all these payments have been cleared from my bank over 7 days / i talked to a rep today and she didn't know what was going on / was on lunch break and told her i had a short time to talk / so she put me on hold / and didn't come back / so i had to hang up and go back to work / this has been such an issue and no other banks have put me thur this and this has to be resolved!!! i'm sure im not the only person in this world that makes weekly payments.

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 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is a collection for a XXXX bill in collectors hands, pinnacle. This was one of my ex husband 's phones when he had his business. He had 4, 1 In my name., I gave ex his phone back and he allowed the bill to run up. Is NOT my debt, is ex husband 's. Along with EVERY closed / charged off credit card needs to be removed. Many car companies have ran my credit just because I viewed cars online, I NEVER gave them permission. I keep track, I KNOW I only have 3 hard inquiries FOR the last 2 years. Please make these abusive credit report companies STOP abusing their power. I'm alone on XXXX, I CAN'T afford to have this bad credit. There are other things on my reports I've never heard of. Please, PLEASE can you help me out??? I don't have any where else to turn. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2019-02-13
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.

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