BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan was transferred from Great Lakes to Nelnet during the pandemic. I set up my new Nelnet account and set up autopay months ago in advance of my first repayment of {$95.00} being due this month on XX/XX/2023. It is now XX/XX/2023 and Nelnet has marked my account as being past due, even though I've confirmed that autopay is set up and active AND I can see a payment to Nelnet of {$95.00} is being processed by my checking account with XXXX XXXX. How can Nelnet mark an autopay payment ( which is being paid on the date of the company 's choosing ) as past due? There is now a letter on file in my account stating that I'm past due this month, which is unacceptable. 

I tried to call Nelnet customer service to understand why my account is marked as past due, given all of the above, and wasn't able to get through to speak to anyone. The wait time was quoted as 15 minutes, then 20 minutes, then I waited on hold for 40 minutes before Nelnet ended the call. I wasn't able to speak with anyone -- the line went from hold music to dead. I called back and was told the wait time was now over 60 minutes. I scheduled a call back, and have yet to get a call back from Nelnet customer service. 

Furthermore, I can see that interest has been accruing on my account since XX/XX/2023 in excess of my monthly payment of {$95.00}, even though I applied for and was accepted in the SAVE repayment plan ( which is supposed to cap interest at your monthly payment amount ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Supreme Lending
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Supreme Lending is doing a refinance loan on my existing mortgage. Effective XX/XX/20 they terminated employment with my mortgage loan officer who was conducting this refinance. 

The primary reason I was doing this refinance loan was because of the trust and confidence I had in the Mortgage Loan Officer that I had chosen to do this refinance. Since the MLO is no longer employed with Supreme Lending I attempted to have my loan file pulled and reimbursed for the Appraisal Fee I was charged by the bank. 

The loan officer who is now in charge of this file called me today ( XX/XX/20 ) to inform me that we are so close to closing on the file that it would unreasonable to cancel the loan and that the Appraisal Charge of {$510.00} paid on XX/XX/20 would not be reimbursable ( Also found out today that the appraisal charge increased to {$580.00} ). Although they can cancel the loan, they will not be able to reimburse me for the appraisal charge. She also stated that she doubts any other banks would be able to accept the current appraisal. At this point, I could be out over {$1000.00} between canceling this loan and choosing to use another bank. 

- Supreme Lending is not reimbursing the appraisal charge as a tactic to strongarm me into closing a refinance loan with a person I originally did not choose to conduct business with. 

- Had I chosen to roll the appraisal charges into the loan, I would be able to cancel penalty-free. But because I specifically paid for the Appraisal upfront, it is being used as a predatory tactic to keep me from shopping with a new bank. 

- I should have the option to pull out of the loan penalty-free and am asking for my loan to be canceled and that I be reimbursed the {$510.00} I spent on the appraisal. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My most recent contact with these companies was on XX/XX/XXXX when I sent in letters regarding inaccurate and unknown information on my credit reports. I began sending letters to them in XX/XX/XXXX and it's been 82 days to date with no resolution from either company. Again, I feel like my disputes are being ignored with them especially since XXXX was able to remove the exact same accounts from my consumer report. Based on FDCPA, 15 USC 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted cause I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion Credit File 1. XXXX XXXX XXXX XXXX Transunion and XXXX Credit Files 2. XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX 4. US DEPT OF EDUCATION XXXX  Credit File 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested a balance transfer. I transferred an amount of money from XXXX XXXX  XXXX  to capital one venture visa. Capital one posted the transaction on XXXX, XX/XX/XXXX. I contacted XXXX XXXX  on XXXX, XX/XX/XXXX and they still show a balance in the same amount as the transfer. XXXX indicated that the balance transfer check that capital one had sent had not cleared as of XX/XX/XXXX. 

I contacted capital one venture visa and they informed me that they have posted the balance of the transfer and that I am accruing interest on the transfer even though the check that was sent to XXXX bank had not cleared. Capital one Venture informed me that it could take up to 15 days for the transfer to to be processed by XXXX XXXX 

Effectively it seems that I am currently accruing interest on the same balance to two different banks. Is this lawful?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello on XX/XX/XXXX chime close my account because they say that i had mad to many deposit in my account i have work cleaning houses an my client paid me cash so i will deposit it into my account with chime so i want have cash on me so when my taxes went in to my account on XX/XX/XXXX they close my account on the XXXX  not letting me get my money out they told me to send in my id an lease my ssn an card a bill a copy of who sent me the money from a deposit an i did all of that im so stressed out that im about to lose my car be in the dark all this is my hard working money that i worked for an they want give me my money so i can take care of me an my child i been up crying trying to find ways for us not to be in the dark or for them not to come an take me an my child car it is so sad that they doing this to me an my child i just want to get my money from them so i can pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Flandreau Santee Sioux Tribe
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received the loan ( Application XXXX ) from Rushmore Financial on XX/XX/2020. I asked the man who authorized my loan if I would be able to pay the loan off early without penalty and he said yes. The loan was for {$700.00} with my first payment due on XX/XX/2020. I called Rushmore Financial on XX/XX/2020 to pay the loan off in full. The customer service representative informed me that I needed to schedule my payment more than two days in advance of a payment that was already scheduled and would be required to pay the first fee of {$310.00} that was already scheduled. None of this payment would be towards principal. I emailed the company to complain about the rejection of my payment. I received a response that I needed to pay more than two days in advance. I called today, XX/XX/2020, to pay the {$700.00} balance, which is twenty six days in advance. The customer service representative informed me that I owed an additional {$310.00} in fees because I did not call twenty four hours after a scheduled payment. She stated if I was not paying the full {$1000.00}, she would not receipt any money towards principal today. I then emailed the company again to verify the conversation from the phone call and they replied that I would need to pay the additional {$310.00} in fees. I do not want to continue the payments that are scheduled as the next 2-3 payments are fees only and every payment after that is only 5 % towards the principal amount. 

I requested a copy of my loan documents and have not yet received them. I went back to the email that was sent for me to sign the loan and the link no longer works and I can not obtain my documents online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to Transunion, XXXX, and XXXX. Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.

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 2023-01-05
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:
Ive sent 2 rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency XXXX and its been over 30 days.

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 2020-03-05
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX i was getting weird orders of things i did not order i returned them back to XXXX XXXX then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, trans world systems inc.they say i owe them XXXX, and XXXX XXXX says XXXX in other words different from amount, i have complained too XXXX XXXX that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now trans world after 6 months today have taking over 4000 dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop trans world and XXXX XXXX stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told XXXX XXXX that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm attaching an email I received from Paypal in regards to holding a payment that I am rightfully owed. I posted items on XXXX, a person purchased my item and immediately paid via paypal.. 

Paypal believes it's in the right to hold funds for 21-30 days ... I challenge this right and demand my money, as I have released the purchased item without any security of payment deposited into my acct.. 

I also want to confirm, the direct deposit checking acct the payment should be depositied as : Routing Number ( last 4 ) XXXX Acct Number ( last 4 ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: NRA Group, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON XX/XX/XXXX  I sent a dispute letter challenging the XXXX of account # XXXX. From Company NATL Recover Agency. I asked them to send me substantial evidence of appearance of this account on my consumer report. I sent this letter certified mail to assure it would arrive to this company. NATL did not respond to my concern and has left me to seek more assistance. The laws by FCRA is 30-45 days. It has been well over the given time frame and i have yet to receive a response. I ask this account to be removed from my file as it has not been proven it indeed belongs to me. 

Tracking Number # 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 2020-03-05
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Unknown parties on XX/XX/2019 attempted to transfer {$10000.00} from a Never activated US bank personal credit card. This Credit card was somehow activated before the attempted transfer to XXXX XXXX XXXX. US Bank stopped the attempted {$10000.00} transfer. 
Then unknown parties on XX/XX/2019 executed a cash advance of {$6200.00} from the personal credit card to a US bank business account that US bank did not stop or call customer. 
On XX/XX/2019 Unknown parties ACH transferred {$6200.00} from the US bank business account to a XXXX  XXXX XXXX. US Bank notified US Bank personal credit card customer by mail XX/XX/2019. 
Currently, {$6200.00} plus interest is {$6900.00} balance in Debt collection. 

US Bank denies all responsibility.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Victim of fake check.. I woke up one day to my mother BOA account getting charged for a fake check on my BOA account which was a joint account she put me under. I haven't used my personal Bank Of America account in almost 2 & 1/2 years. Me & my mother been trying to file claims, email the bank and call Bank of America which have a known history of owing people money and ridiculous fee charges which they don't even respond to emails or phone calls. Im making this claim because Bank Of America took funds out of my mother account that we need back. i am an victim of a fake check, which i stated early i haven '' t used my personal bank account in 2 & 1/2 years. my mother made a claim but she haven't got a update so i made one, hopefully you can get to this 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 explanation
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
A fraudulent charge of {$520.00} was posted on my card on XXXX XXXX, XXXX. Bank of America credited that amount to me on XXXX XXXX, XXXX. The merchant then credited me {$1000.00} on XXXX XXXX, XXXX. Bank of America collected that amount in two transactions for {$520.00} on XXXX XXXX, XXXX. At that point the fraud claim was closed. 
Then on XXXX XXXX, XXXX Bank of America made an accounting error and charged my card a third time resulting in an erroneous charge of {$520.00} being posted to my card. I have called since XXXX and every single day on the week of XXXX XXXX. I have spoken to fraud claim representatives and escalated to management. I was finally told over the phone and by USPS mail that accounting saw their error and would correct it by crediting my card {$520.00} in 7-10 business days from XX/XX/XXXX or on my XXXX statement. 
I paid the {$530.00} balance on my account as my payment was due XXXX XXXX, XXXX or I would incur a late payment fee that I would no doubt have to fight as well. 
On XX/XX/XXXX my statement became available to me and there is still no credit to my account besides the {$530.00} that I paid with my money. Bank of America has not credited me the {$520.00} that they owe me and has dragged this issue out to the point where I paid for their accounting error with my own money.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response

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