BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: Nelnet, Inc.
State: AZ
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:
Student loan servicer Nelnet, and credit bureau XXXX has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with Nelnet since XXXX. Nelnet is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from Nelnet. The loans are reporting late with a {$0.00} balance. 

I have called Nelnet several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact XXXX, because XXXX  is doing the misreporting. 

I have called XXXX, and have disputed the incorrect late payments with XXXX, but they are stating Nelnet is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, XXXX  would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the XXXX XXXX XXXX. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being XXXX. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One sends printed credit card promotional offers through the mail. 

Capital One says on the materials that Capital One supports information privacy protection and directs consumer to see Web site at www.capitalone.com. 

I went to the website. The information provided does not address how to opt out of printed mail offers. The information seems to only address electronic marketing channels.

I found the website was not easy to use. I would like the CFPB to check out the website and judge if opting out of US mail card offers is reasonably easy for the consumer if at all possible. I believe that Capital One should take steps to make it easier for the consumer to find the Capital One procedure to opt out of printed and mailed credit card offers. 

Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

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 2018-09-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in the mail from Lakeview Loan Servicing , LLC in XX/XX/2018 stating that I had an escrow shortage of {$230.00}. I sent them the payment in full and the amount was cashed from my bank account on XX/XX/2018. The letter stated that If I do not make the escrow shortage payment, then I would be responsible for increasing my monthly payment to {$870.00} beginning XX/XX/2018. It also stated that if I do make the payment, I would only be responsible for making a payment of {$850.00}. 

On XX/XX/2018 I checked my bank account and the loan servicing company withdrew from my bank the full {$870.00}. I called immediately and asked them to apply the difference to the principal. When I saw that they did not do that, I called a second time and asked them to mail me a check for the difference. The supervisor told me that he would mail the check and put a rush on it. I waited about a month to receive the check in the mail, and never received it. 

I called the company again today, XXXX, and the person over the phone told me that they will not be giving me a check, but will be holding it in their account and applying it over time towards my escrow payments against my wishes to either mail me the difference or apply it to the principal. I explained to the agent over the phone that this was mismanaging my money, no matter how small the amount is, and he was not interested in helping resolve the issue, despite admitting fault that the company wrongly took an excess of money from my account. 
This is the second time I have had the issue with this company taking out more money from my account after paying an escrow shortage. The previous incident occurred last year. I did not report that incident.

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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this 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 2020-01-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX -credit card was changed off in XX/XX/XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.

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 2018-09-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied XX/XX/2018 through XXXX XXXX to acquire an American Express ( AMEX ) credit card. There are several false and highly misleading aspects of this process : 1 ) The number they have issued to me over the internet is not a credit card number according to the AMEX help center at XXXX. 
2 ) The AMEX web site states a credit limit of {$2000.00} which is fine ; what they did not disclose is that it can only be used for XXXX, not any other seller. This is a critical failure to fully disclose a limitation which renders the card useless to me at this time, as I intended to use it at another online vendor. 
3 ) The AMEX site states a delivery time for the actual card to be 3-5 days ; the help line above quotes 7-10 days. This is a false statement. 
4 ) The new card help line ( XXXX ) states the new card can not be delivered within the 3 day window which would have been helpful to me, and states they can not expedite the card to overnight status within the USPS. They stated if I had requested the expedited delivery while I was applying, they could have done that. Again, failure to disclose an option during the process that was refused after the fact. 

They require a {$2000.00} charge to validate an airline miles award which must be done within 90 days. It will be interesting to see if they renege on this one also. 

If the card can be overnight delivered to me, and can be used at other vendors than XXXX, my problem would go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On two occasions, once in XXXX and once in XXXX, I believe, at the recommendation of coworkers, I opened a checking account with KeyBank and funded them as per my obligation to do so. 

Within a short period of time, my accounts were closed and I was told that some information couldnt be verified. 

Therefore, the accounts were closed without my notification and my funds were held by KeyBank. A total of close to {$200.00} was held.

I had to make numerous calls to get my funds returned because KeyBank couldnt locate my accounts. Poor record keeping! 

On XX/XX/XXXX, I went to my local KeyBank branch to again, attempt to open a checking AND savings account. I thought all was well this time around. 

On XX/XX/XXXX, my employer directed deposited {$500.00} into my checking account and on XX/XX/XXXX, my {$500.00} was gone! My paycheck, my livelihood, was gone!

I called KeyBank and was told a restriction was placed on my account, so my {$500.00} was being held due to negative banking history. Unless this is a tactic to not give me the {$200.00} promotion???? 

I asked to speak to someone in the fraud department and was denied that request and was told by customer service that theyre not allowed to speak to me and that I had to visit my branch. 

What negative banking history could I have had, when it was KeyBank who closed the accounts on me and held my funds and made me jump through hoops to get them back? I barely had a week to use those accounts before they were closed on me! So how could I have done anything wrong???? 

I want my {$500.00} and the combined {$20.00} in my checking and savings account returned to me immediately! This isnt the time to be stealing money from clients. I could have gone to XXXX  but because the municipality I work for recommended KeyBank, thats why I went to them! 

Now Ive had 3 bad experiences with KeyBank! 

I want this matter resolved ASAP! I have no issues publicly voicing my experiences with KeyBank to prevent this from occurring to anyone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: U.S. BANCORP
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I paid {$800.00} for a {$5000.00} loan. 
{$200.00} was for ppi registration, {$600.00} was for interstate fees.now thay want me to pay {$400.00} for XXXX XXXX transfer fee. Start date XX/XX/2020.

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 2018-09-17
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs )  Collection account Original Creditor Name 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 2021-02-23
Company: Mercedes Benz Financial Services
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services was sent a notarized notice Pursuant to the Fair Debt Collection Practices Act as defined under 15 usc 1692g. Pursuant to GAAP ( Generally Accepted Accounting Principles ) Mercedes Benz Financial Services must prove that money left their account if they gave a loan.

Mercedes Benz Financial Services continued communicating violating 15 usc 1692b. ( 2 ) ( 5 ), 15 usc 1962d ( 1 ), and 15 usc 1962f ( 8 ) as defined. After such communication, I communicated with Mercedes Benz Financial Services as defined under 15 usc 1692c. ( c ) 2. On XX/XX/XXXXat XXXX, Mercedes Benz Financial Services further took action violating 15 usc 1962f ( 6 ) ( A ) ( B ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received my free annual credit reports. On Transunion and XXXX, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, XXXX, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX XXXX XXXX and had a terrible experience. XXXX refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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 2020-09-09
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XXXX XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys  would do this.

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 2017-08-11
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I completed a bank wire on X/X/17 to XXXX ( Coinbase Inc. ) in the amount of {$19000.00} ( transaction # XXXX ) via the companies instructions so I could get same day deposit as advertised on their website. Since I missed the timeframe listed ( XXXX PST ), I should have seen the deposit to my account the following day. There was no deposit on XX/XX/XXXX or today, XX/XX/XXXX. I have sent 3 emails to support asking for further information or confirmation and have received no replies. I then proceeded to do more research online only to find dozens and dozens of others experiencing the same problem, some stating that they 've been waiting weeks for their deposit. There were few who stated that their issue had been resolved. I do not know if they are defrauding people out of their money or having legitimate service issues, but if they are, this should be noted on their website so people like myself can make a decision to not initiate the transfer in the first place. I was not looking to have my funds tied up for any amount of time, and these delays could be costing me real money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since my mortgage was transfer from XXXX XXXX to Suntrust I have only experienced problems and harassment. Letters and notice that mortgage is delinquent but all my payments are being paid. My mortgage is not properly manage my sunrust. Mortgage payments are not being applied correctly. But the biggest problem is that I am being defraud with the principal balance left on my mortgage. In XX/XX/2020 my principal balance with Suntrust was estimated {$620000.00}. In XXXX I enter into deferred program. In XXXX I request to exit and started to make my regular payments but now Suntrst charging me an outstanding principal balance estimate {$620000.00} plus a deferred amount of estimate {$18000.00}. How can this be correct. I spoke to Suntrust. Spend hours and hours in the phone, request to speak to a manager ( that never call you ) and nothing. I dont know what to do.

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 2020-07-16
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Transworld Systems Inc. regarding a debt to the " XXXX XXXX XXXX '' creditor. I checked my credit report and have no such debt. I have not received any services or communications through this creditor and do not recognize the account number.

Company response to consumer: Closed with explanation