BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: Nelnet, Inc.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Step 1 : What is this complaint about? 
In XX/XX/XXXX I contacted a company advertising Student Loan Forgiveness related to my School " XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, as well as my financial institution that provided my loan " XXXX ''. The contract agreement that was sign between XXXX XXXX XXXX and myself ( XXXX XXXX ) that depicted my XXXX loan, and multiple phone conversations all discussed my XXXX  loan. I was informed that I qualified for dept forgivness due to my current family size and income. It was a 1 year contract with a {$190.00} fee upfront and a $ XXXX/month maintenance fee for 1 fiscal year, at which point my remaining balance would be forgiven as agreement of contract. 

In XXXX of XXXX I found out that the loan that was purchased was my other student loan through XXXX. I found out that the loan was consolidated, which wasn't discussed with me at any point. Nelnet  is the company that currently holds the loan. I spoke with Nelnet about the situation. I was adivised by there fraud dept. to submit a fraudulent complaint about what had occured. XXXX ( the rep. that I spoke with ) stated that she would provide detailed information as to how to proceed with filing a complaint. 
No information was sent to me. 

I have made several attempts to contact the Dept. of Education, as well as left several voicemails. No return call as of yet. The DOE was ( whom to my knowledge of finding out ) the company that consolidated the loan for Nelnet. 

At NO point did I consent to this!!! 

I called and spoke with XXXX, the rep. XXXX advise that I call your department to file a complaint about the situation. He felt and I feel that this was done illegally by a third party company, and was not done so lawfully. 

I am still making attempts to get in contact with XXXX XXXX XXXX. I have called, text, emailed numerous times without any response ... 

I am still reaching out to all affiliates involved in the matter to learn as much as i can to get this situation fixed. 

Step 2 : What type of problem are you having? 
My other student loan was consolidated without my knowledge. 

Step 3 : What happened? 
Described above. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX, Nelnet, Dept. of Education. 
XXXX XXXX XXXX XXXX this is the login portal page for the company. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX, XXXX XXXX XXXX, Nelnet, Dept. of Education, and myself. 

I have also reported these action to XXXX, I will be contact XXXX as well to disputer this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-09-15
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Paypal wrote a book during the last dispute that did not make any sense it was 3 transactions that were made at 1 machine {$60.00}, {$40.00}, {$100.00} that I received the incorrect amount of money, and if they have audit tapes please provide them me footage of me withdrawing the amount of money that paypal say I withdrew, also the {$230.00} was a unauthorized transaction i have auto insurance and I was just shopping around for insurance, and never committed to transferrirng my insurance to this company XXXX XXXX, If you have my signature on any of their documents if so then please provide that so I can see, that my signature was also forged, if not then If I say it is unauthorized how is Paypal to say what is authorized and what isnt they are not me, and If i say it was unauthorized then they should have treated it as if it was unauthorsized they violated regulation e policy they cant make me be insured with a company I didnt want to become my insurance provider and that is why they refunded me back but paypal should have got my full amount refunded and I do not owe paypal anything once they correctly refund me for the unauthorized transaction, the {$100.00} they owe me they can refund it by check or by sending it back to the bank account they fraudulenty withdrew it from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Synerprise Consulting Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft, Im assuming it was due to the data breach XXXX had recently.. Now my information is being used. I Have a collection from Synerprise Consulting ( XXXX XXXX XXXX ), and a hard inquiry from XXXX XXXX had given me the run around for months now. I am preparing to take them to court if this does not get resolved soon..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Was charged for tow truck to reposes my car was charged down payment company not allowing any hardship assistance or education canceled contract and still want me to abide by old contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
State: NY
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:
There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX DSNB Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-01-23
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius global solutions LLC has been trying to collect on this account twice. Once on XX/XX/XXXX and on the recent one which is XX/XX/XXXX. I would like for them to be charged {$1000.00} for continual harassment to me. The name on the account is XXXX XXXX. My name is XXXX XXXX. I would like to make sure they dont try to re-send this to me ever again. I am sending my proof to you. They put it on my credit report and the credit bureaus and moved it each day.

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 2021-04-29
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX placed a couple of medical collection on my account that had been placed by a different collection agency in the past, but had to be removed because they did their research and this was not my debt. I have never done business with XXXX XXXX XXXX and I don't owe XXXX XXXX XXXX XXXX  anything. I wrote a letter asking XXXX XXXX to remove the debt because its not mine. 3 months past by so then I reached out via phone and they were very rude and keep hanging up on me. I don't owe these collections to XXXX XXXX XXXX and I definitely don't owe it to XXXX XXXX. If you have any medical records with my name on it, I will be extremely upset because there is a Hipaa Law that protects us. You should not be holding any of my medical records from anyone. I don't have an outstanding balance with XXXX XXXX XXXX. If XXXX XXXX has proof that this is my debt, then please send it like Ive asked over the phone and in the letter that I mailed out. There is a reason why the previous collection company removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Accscient, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a medical collection that is being reported and I not even aware of this collection. This is clearly fraudulent. Listed below is the detail of the medical collection. 

Nationwide Recovery Accnt # : XXXX Opened : XX/XX/2021 Balance : {$730.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC XXXX to back up my claims.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Prosper Marketplace, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
delete this inquiry its not mines they refused too

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 2019-03-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report with Equifax has not been updated since XX/XX/2018. This has caused me to be unable to apply for loans and have been unable to receive a decrease in insurance premiums. I have submitted my concerns to Equifax on numerous occasions ; the being in XX/XX/XXXX. They have only replied to me that I ha e multiple credit files that they are unable to merge. They further stated, in writing, they can not merge them due to the amount of data in each file. 
I have attached to this complaint my documentation to support my efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for an18 months no-interest credit card FROM Wells Fargo. I was approved and then completed a balance transfer. 

They continually charge me monthly fees, interest, etc., which is completely contradictory to what terms and conditions I applied and got approved for. 

I've made FIVE ( 5 ) separate calls to their business office asking them to straighten out the problem, All I get in response is " we've assigned a case number and a rep will be getting in touch with you ''.

No representative from WF has contacted me, as the billing issue continues. I'm paid up to date on my payments, and I'm disgusted with this bank XXXX customer service I'm aware of all the systemic legal problems WF has had in recent years including fines, corruption, etc. My issue is a SIMPLE FIX. 

PLEASE HELP 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 monetary relief
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Wells Fargo stating my Escrow account would need to increase so I could either pay {$120.00} now or my payments would increase to offset the escrow increase. The letter showed the projected escrow for XX/XX/XXXX to XX/XX/XXXX as a decrease in the money needed not an increase. It further showed my actual XX/XX/XXXX to XX/XX/XXXX as staying the same. I paid the {$120.00} so my monthly payments would not increase. I also paid an additional morgage monthly payment to keep from being in the rears. When I received my XX/XX/XXXXnotice the monthly rate showed an increase. I called Wells Fargo for an explanation and they agreed the letter was incorrect. They stated they would research and get back to me. They did not. I called again and asked for a Supervisor, she agreed the letter was wrong and she would research and call me back. She did not. I called again and was transferred to XXXX on XXXX, she stated she would research and call me back. She did not. I called on XX/XX/XXXX and was told XXXX at ext XXXX would be handling my complaint. I called and left her a message. She did not call me. I called today XX/XX/XXXX and spoke to another person who said XXXX never handled my case it was XXXX XXXX, ext XXXX he did not answer so I left him a message. 
Wells Fargo has got money up front to cover any extra Escrow but they still went up on my payments. They have a reputation for asking you to pay more and even when you do they still go up. See what happened to them awhile back when they were fined. 
I have attempted go give them time, 2 months, and opportunity, I called at least 5 times, to right this wrong, they will not respond, always pushing me off to someone else.

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
So this isnt a company its actually a person from the XXXX. He scammed me saying he would give me some account for money. So I paid him and never received anything. Please send me my money back. Its set as friends and family because he said to put it there, you people are my last hope to get anything back from this scammer. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is currently serviced by Bayview Loan Servicing ( BLS ). Due to serious accounting issues that were discovered through QWR, Bayview agreed to work through the loan modification process to mediate the issues. BLS has now refused to underwrite the loan modification submission and will no remit a copy of the denial. BLS is required per HUD and CFPB law to remit a copy of the loan modification denial, in order to allow for a formal appeal to be entered. Furthermore, BLS has set a foreclosure sale date of XXXX, without granting allowance for a formal appeal. The CFPB law that was revised in 2014 clearly states that homeowners must be clearly informed during the entire loss mitigation process, so they can take the necessary steps to avoid foreclosure. BLS has clearly violated the CFPB law, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018, I ordered two items from  XXXX. I used my XXXX Visa card. Imagine my surprise when I received an unrequested XXXX Visa card in the mail today, issued through Chase Bank, in a name I haven't used for over 15 years, with a {$9500.00} credit limit. It is terrifying to think someone could have taken it out of my mailbox without my knowing it. I did not request a credit card, I did not fill out any forms or give any personal information to get a credit card, and I have no idea why they decided to issue me a card or how they got sufficient information to even determine I was eligible. I checked my credit reports and see a hard inquiry dated XX/XX/2018 on my XXXX report, which I also do not appreciate. I called and cancelled the card but I am very concerned about this practice and think XXXX should be taken to task for issuing me an unrequested credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not recall the services for this bill. Never received documentation before being swnt to collections

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