BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: Nelnet, 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:
On XXXX XXXX, XXXX, I had suffered an XXXX incident that left me XXXX  and in a XXXX for ten days. During this time, XXXX XXXX XXXX XXXX was holding my college loans which were on deferment and scheduled to resume payments in XXXX of XXXX. The nature of my injuries were XXXX and XXXX. I have no memory of what happened before the event and nothing for 2 months following it. Through extensive therapy, I was regain physical control of my body back nearly 100 %, with the exception of a XXXX issue that involves XXXX  because that is XXXX in nature. Due to the nature of my injury which left me in an XXXX status for quite some time, my mother contacted NELNET and advised them of my medical status. She had to do so, because I was in multiple hospitals until approximately XXXX XXXX of XXXX. She was advised to fill out a request for XXXX status, which she did, but NELNET never followed through on it. In turn, NELNET had continued negatively reporting on my credit report and until I received a notice almost a year later. I was forced in to resubmit all the documentation my mother sent them to get my loan placed on a XXXX status, but the damage was already done to my credit. While I was unable to care for myself, my mother ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Account status incorrect had faxed Nelnet 's XXXX program medical verification. I had to refax all that she had sent them with the fax confirmation report to have them complete the process after receiving a delinquency letter. I was out of work until XXXX of XXXX because I was on an extended leave from my job do complete advanced therapy. During such time, I was receiving supplemental income through my enhanced XXXX protection insurance that I had taken through the school board where I work, until I was medically cleared to go back to work full time. But, during this time, NELNET had damaged my credit and even though I had filed a successful bankruptcy in XXXX and was cleared by the courts, college loans because they are subsidized by the Federal Government are not impacted by such legal actions. This issue is impacting me getting a mortgage to purchase a home at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I opened a mortgage with SWBC in XX/XX/XXXX and sold the property in XX/XX/XXXX. I had to pay the outstanding property taxes at closing. I am still awaiting refund of the paid taxes. I initially filed a complaint with the TX Dept of Savings and Mortgage Lending in XXXX XXXX after four months of dealing with SWBC and them raising my escrow amount due to " predicted '' property taxes increasing without a valid assessment by the tax collector and for them not paying my prior year property taxes in full. I was told by numerous SWBC customer support reps that they would abide by their Truth in Lending statement and charge me the lower mortgage payment but it never happened. Had they done so, we would not be in this predicament of overpaid taxes in the amount of {$6000.00}. 
I submitted another complaint after being told three different scenarios for getting my tax refunded. They responded to the state agency with a lie stating they had confirmed receipt of my tax refund on XX/XX/XXXX and would send the refund in 5-10 business days. We are now at business day 23 and I called 4 times in the last week ( their message states they will call back the next business day, another lie ) and was told tonight that their tax department does not have the refund and it could tax another 4-6 weeks. As you can see with the letters they sent ( attached ) only 4 days apart, it's not even close to the truth. How can you confirm receipt by check number on one day and then 4 days later state you don't have the refund? The document on XX/XX/XXXX was uploaded to my Documents Center on their website but the one dated XX/XX/XXXX was what was sent to the state regulators. An obvious attempt to lie to the state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: AZ
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 explanation
Consumer complaint received 2017-11-01
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my transunion and my XXXX credit reports. It shoud not be on my report.

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 2017-11-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filled out a contact form two times and never received a response from my loan company. I would like to find out when my Yearly Escrow Analysis is. I just had to pay two supplemental tax payments for around 2300 each. I would like to know when I would be receiving my escrow over payment. The company is called Loancare. I 've read hundreds of reviews about Loancare and they are all horrible, they all say the company never responds.

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 2017-11-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my XXXX and my experian credit reports. It shoud not be on my report.

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 2019-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are behind in our mortgage. Our loan servicer, SPS ( Select Portfolio Servicing , Inc. ) suggested that we APPLY FOR A LOAN MODIFICATION. As a result on XX/XX/2019, we sent them an email with 78 PAGES OF DOCUMENTATION THAT THEY REQUESTED. On the same day we received an emailed acknowledgment that the documents were received. We have not heard anything from SPS since then. I called them today, and was told that our email WAS RECEIVED BUT NEVER OPENED. Again, we were never notified that there were any problems with our application. So, now, another two and a half weeks have passed. SPS told us that our loan was going to their " legal department '' on XX/XX/XXXX. We were under the illusion all of this time that our modification request would forestall further foreclosure actions. Now we are feeling defenseless. The specific individual I have been working with at SPS is XXXX XXXX. She can be reached at XXXX x XXXX. PLEASE HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ID Analytics, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021, I attempted to place a security freeze on my SageStream credit file and made two more requests via fax. I also attempted to call. On all 4 occasions, SageStream refused to place the freeze on my credit report or file with their company. Documents provided included drivers license, social security card, and a recent paystub. 

On XX/XX/2021, I received a letter from SageStream refusing to place the freeze, claiming that the documents submitted were insufficient, even though their website indicates the submitted documents were sufficient. 

Attached to this complaint as well is my response with the additional requested documents. This request was sent on XX/XX/2021 via fax to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells fargo check my credit with out my permission. I received a letter that had my credit score from wells fargo.

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 2017-11-01
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.

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 2021-05-11
Company: Receivables Management Partners, LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I mailed a debt validation letter to RMP Services Inc ( First Scan  ) due to their reporting on my credit reports. The scanned letter is not the original. My thumbdrive malfunctioned and I lost the original so I recreated it from notes I had saved. I asked to see their license to collect in my state ( Minnesota ). I asked if this alleged debt was bought or transferred. I asked for their registered agent of service. 

On XX/XX/2021 I received a response back from RMP Services LLC ( Scan Two ). Contained in their response they sent my personal or someone else 's personal medical information. They did not include a signed HIPPA release allowing them to have this information. They completely ignored my demands to see a contract reflecting that I owe them anything. I have turned the HIPPA matter over to The U.S. Department of Health and Human Services and the confirmation number for that is XXXX. They have failed to provide me with anything validating this alleged debt. 

On XX/XX/2021 I sent a response to RMP Services LLC demanding proper debt validation ( Scan Three ). I marked up the documents asking questions about the contents of the documents. I also demanded to see a signed HIPPA release.

I received a response ( Scan Four ) on XX/XX/2021 that was dated XX/XX/2021. This letter was sent to my mother-in-law 's Post Office Box even though RMP Services knows I live in Minnesota, and has corresponded with me at my Minnesota address. Why they did this is a mystery. The letter stated that they are not going to give anything further. 

I will be sending a response on XX/XX/2021 ( Scan Five ) I have put a CC on the letter for CFPB and the FTC. I have stated in this letter that if they do not properly validate this alleged debt or remove it from my credit report ( s ) I will escalate this matter to the Attorney General 's Offices of Texas and Minnesota. This letter will be sent certified mail via USPS and I will provide the tracking numbers upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has a student loan listed on my credit file that is my sons I am XXXX, it is also past the statute and needs to be removed off of my credit file. Please handle this ASAP XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Transaction Date XX/XX/XXXX Amount {$99.00} Transaction ID XXXX Purchased Item using PayPal credit Website I purchase item is XXXX ( Website no longer exist ) will attach screen shots of website of the item i purchase.. then after purchase was made this other seller info came up on the email after i made the purchase. This website claims that this item was made in the USA but doesn't make sense if the item is coming out of XXXX based on the bellow seller. This sounds like a scam since the website is not long available. 
Submitted dispute on XX/XX/XXXX. Dispute was closed when merchant actually responded to PayPal and said item was shipped. PayPal took their word for it and re billed me but I still do not have the item. 

Seller info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date reported : XX/XX/XXXX Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$99.00} USD

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 2022-03-10
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a notice from Credit Management XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX FILE # XXXX Date : XXXX  The notice stated that I owe {$47.00} to XXXX XXXX for a government phone which I get for free. The phone number is XXXX Since this phone has been free to me for at least the past XXXX  years, I don't understand why I owe any money. 

Furthermore, I have never been billed by XXXX XXXX for any service for this phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are two account loans listed on my credit file that are my sons and outdated which the DLA is inaccurate. I 'm requesting these two loans be removed off of my credit file ASAP they are XXXX # XXXX for {$51000.00} XXXX # XXXX {$49000.00}

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 2017-11-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer for {$9900.00} from my checking account at Santander bank on XXXX XXXX XXXX. This was an international transfer from my bank account to XXXX XXXX XXXX XXXX located in XXXX. The receiver has not yet received the payment even though it was promised to be delivered on XXXX XXXX. 

Santander Bank uses XXXX XXXX bank as an intermediary to process international transfers. Santander has provided me with proof that the payment was sent to XXXX XXXX. XXXX XXXX has not provided proof that the payment was delivered to the receiver in XXXX. The receiving bank states that they have not received the transfer and that they have no record of the transfer. XXXX XXXX is not assisting with locating the funds. XXXX XXXX does not communicate with me directly because I am not their customer. They have not provided any proof of delivery or a XXXX form showing funds were transfered to the receiver. 

I am a customer of Santander Bank. Santander is communicating with XXXX XXXX on this issue. Santander is XXXX XXXX customer in this matter. 

My branch has tried to assist but they have no insight in this matter.

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 2019-05-12
Company: Bridgecrest Acceptance Corporation
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:
On XX/XX/2018my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/Bridgecrest refuses to take this vehicle off my credit report.

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 2021-05-11
Company: WALLICK AND VOLK, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my communication with XXXX XXXX with Wallick and Volk at XXXX XXXX Texas on XX/XX/2019, after a phone call and a few emails I decided to apply using their web site so they can review my application and at some point I was hopping to ear back from her or their team with some response or any news event if they were bad news. Well to this point I haven't hear from them, I went back to their web site and can not log in. I am so worry because I uploaded ( more that a year ago ) my financial and personal info and never hear o get an email from this company again. I not so sure if my personal info has been protected as prescribed by the law. The worse customer service I ever had, but just want to post this review to alert others individuals if you want to use this Wallick & Volk companyTHINK TWICE..!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account was hacked from coinbase 's end, and they were able to get into all of my information, including my emails. Drain my bank of {$18000.00} and purchase etherium. Every confirmation email was deleted before my eyes!! I would open it, and it would vanish. They tried to send it to another account, but I was able to lock it before they could. I was also successful in stopping the payment from my bank so I wouldn't be out that money and unable to pay my mortgage. I had taken the extra security steps THEY recommended, and it wasn't enough. 

They allowed the cryptocurrency the hackers purchased to be sent to another account before the money it even left my bank account and the purchase was finalized and now they are claiming they need to get the money back from me. They have my account locked, and I can not get in to see what's going on. 

Also the cryptocurrency that I DID buy was just unaccounted for. It shows the transaction from when I purchased it, but my wallet for that currency is empty. 

I looked into this and it looks like they were breached by XXXX, this happened to MULTIPLE people on the exact date ( XX/XX/XXXX ) and they did the same thing to them. They did a major update afterwards and several people are STILL locked out. Even accounts with third party authentication security were hacked. 

They sent me an email claiming no responsibility ... and then sent another saying they would look into it, and are now completely unresponsive. They have just left me locked out of my account with no information.

Company response to consumer: Closed with monetary relief