BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: Nelnet, Inc.
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: Account status incorrect

Complaint:
Nelnet, Dept. of E d/Nelnet, and Student Loan Servicing stating   XXXX   XXXX   XXXX   XXXX  , and  XXXX   XXXX  known as  XXXX   XXXX   XXXX  on credit re ports. Nelnet stat ed in the attached letter by  XXXX   XXXX  from  Nelnet ( see at tached letter ) that all loans were excellent and they reported that to the credit reports but the credit reports reflect delinquent negative and missed payments only.   * Loans were consolidated by Federal Loan Servicing in excellent condition ( see attached ) reflected in letter but not reflected on credit reports * Loans have been on the credit report since   XXXX   which is 7 years and legally should be removed unde r Fair Credit Report Bureau but they have manipulated the records the records to make it look like it is less than seven years but I have the origina l that states missed payments since   XXXX    ( see  attached ).    * All paym ents were missed since   XXXX   and the total reflected missed payments since no payments made and can be removed since it has been 7 years and this manipulation of records is illegal * The fact all loans were doubled and in some cases tripled to make my credit look worst is fraudulent. The letter by  XXXX   XXXX  proves that I only had  XXXX  loans but my credit report shows  XXXX   XXXX  negative credit reports fraudulently I need to have account numbers to see if things were double paid and why they are reporting things double the time * Missed payments keep changing too and that is ironic.    * Student Loan S ervicing known at   XXXX   XXXX   XXXX   XXXX   is still derogatory is collection and  XXXX   XXXX  known as   XXXX   XXXX    XXXX  is collection when they were paid off and taken care of and have been in excellent standing since last yea r by Nelnet and a f ew months ago when  XXXX   XXXX   XXXX  took over shows excellent standing but that is never reflected on the credit report and that is the only thing that is true ( see attached no delinquencies   XXXX   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

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 2017-03-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been fighting with XXXX for over 10 years about my student loans and now i am fight with navient for the same reasons. I was setting of my bank account to autopay my bills, I called XXXX and asked for their mailing address and I spoke to a customer service agent and asked her how much was i supposed to be sending each month she told me {$110.00}. For three months i sent XXXX XXXX dollars and then i notice that i had a posting on my credit report of late payments. SO i called XXXX again and that is when i was informed that the payment was to low. I went by what was told to me by their agent so why should i have to be penalized for her wrong information? THAT WAS XX/XX/XXXX ITS NOW XX/XX/XXXX i have been paying a XXXX to help me remove this from my credit report and ancient has ignore all correspondence from them and me. IT IS NOT FAIR THAT XXXX AND NAVIENT SHOULD BE REPORTING THAT I WAS LATE ON PAYMENT WHEN I DIDNT HAVE NAVIENT AT THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: DISCOVER BANK
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:
Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. 
I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. 
I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. 
I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. 
I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. 
I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. 
Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. 
I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. 
This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. 
I await your response. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient/XXXX is reporting me 90 days late on XXXX loans that I had an repayment plan set up that withdrew my monthly payment automatically. I also did not know that they were reporting each one of my loans as a seperate tradeline on my credit report. One late payment made to one creditor has resulted in 4 times the credit impact, which resulted in lenders imposing higher interest rates as a result of that impact. It is also affecting my credit score making it difficult to qualify for a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a loan with XXXX now Navient close to 10 years. I never missed a payment for the entire time. They raised my payments and did n't notify or inform me they were going to do that. My payments were on autopay from the bank and were paid on time every month. When I finally figured out they raise my payments, it was too late and they put it on my credit as me being late! Once I found out, I paid the loan off in full. I do n't pay stuff late and they have affected my credit score severely! I 've called and they will not work with me on it, or remove the late payments! These people are crooks and want to keep young people in debt for life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had my student loans serviced by navient. Being a XXXX i was elligible for the public service loan forgiveness. I was lead to beleive that for many years that my payments were going toward the 120 payments. My payments were not elligible because of the plan i was put in. Luckily i switched them back to XXXX and they informed me that the payments werent acceptable. I paid them for five years. Now i am XXXX and i had to start over on my 120 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received {$300.00} to my PayPal account and the app glitches and freezes when I try to transfer my money to my bank account. Never had this problem before today and Ive been trying all day to make this transfer- this is ridiculous! Saw on XXXX that you guys are putting peoples account on hold for 180 days and then I get a message from the chat that theres no transactions in the past 180 days??! Thats XXXX, I have consistently had monthly transactions each month. This better not be the case with mine - I tried to call or chat with customer service and the wait time is OVER 2 HOURS!! Definitely closing my account after I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Guidiville Indian Rancheria
State: IN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX indiana I borrowed XXXX from multi source payday loan company can not contact anyone from this company they send no email to let me know they are taking more out each month so far I have paid XXXX $ on this XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Husband contacted SunTrust regarding a vehicle loan in XX/XX/2021. He asked for Covid relief for 3 months due to his job loss. He was told he could have up to 6 months payment suspension. 

SunTrust claims they never received a call regarding the loan. On XX/XX/2021, the vehicle was repossessed due to nonpayment. No one ever contacted us to ask about the missing payments or sent any written notices. Should this have been handled properly, a repossession would not have happened or have been needed. Now my husband is going to have this on his credit report. 

He lost his job and asked for 3 months to not make a payment. Because of SunTrust 's poorly led operations, we are now having to shell out over {$3000.00} to pay for the late payments, fees, and a repossession fee. Not to mention, we have to pay a tow company for the towing and storage.

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 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me 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 explanation