BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have about {$34000.00} in federal student loans with Nel Net and some payments are showing on my credit report as negative accounts. 
I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company reported my payments as late payments to the credit bureau from about XXXX XXXX XX/XX/XXXX. 
I placed my loans on forbearance in XX/XX/XXXX and I was asked to call back 6 months later to follow up with my account to continue to be eligible to for the forbearance program and to make sure i met the requirements. When I called back in XX/XX/XXXX, I was told by a Nel Net representative my loans were no longer on forbearance since XX/XX/XXXX and my account was showing in their system as past due and my account was in delinquent status. I told the representative it was an error and I did not authorize to terminate my forbearance status, the representative stated it was an error and my loans were going to be placed on forbearance once again. I called back Nelnet in XXXX and XX/XX/XXXX because my account was still showing as negative accounts in my credit report and I was reassured every time by the agent that my matter was going to get resolved because it was an error on behalf of NelNet and to allow some time for the matter to get solved. I called numerous times in XXXX to solve the matter and it was still not resolved. I spoke to a NelNet representative again in XX/XX/XXXX and she stated my loans should have never been taken off forbearance status and she was going to submit a dispute report to clear the negative payments that were showing in my credit report. Once the representative submit my request, the letter stated Ne Net did not commit an error in the reporting the late payments because NelNet stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation. NelNet stated they called me but I was not provided with a voicemail of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: NEW YORK COMMUNITY BANK
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
DISCOVER Dropped case against me. 

Discover non-suited ; therefore, case has been dismissed against me. 
please remove from creit report, this is hurting my FICO score. -- please immediately remove. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Synovus Bank
State: CT
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM 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 2016-10-10
Company: On-Site Manager, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to 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 2016-01-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to transfer {$620.00} from my PayPal account to a debit card and the transfer was sent to a closed XXXX XXXX debit card account and not the correct place it was supposed to be sent to. 

After realizing this took place, I contacted Paypal and was told it would return to my Paypal account within 24-48 hours and to call XXXX XXXX. I then called XXXX XXXX and did not get any help or helpful information to resolve this issue. 

As the consumer, we rely on companies like Paypal and XXXX XXXX to provide assistance in the best interest of the consumer, and as we don't know the right way and don't have access to get it resolved on our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased home warranty from XXXX XXXX with Chase credit card that I have owned for years. I use the card trusting if the good or services were not delivered, the company will protect me and stand behind their protection policy. Purchased was charged on XX/XX/2020 for XXXX. When it came to use the home warranty XXXX XXXX refused to do any repairs. They gave me the run around and kept coming up with excuses. I tried to resolved the problem multiple times. They promised will follow up and/or compensate for the item since they could not repair but never heard from them again and again. I disputed the charge with Chase. They took the information on the phone. Then again I explained the exact problem on the paper work they sent. All I have received is an update that says they found no " billing error ''! The dispute was never about billing error and was thoroughly explained on the phone and in writing. It seem like Chase does not want to pursue the dispute. When I use the their credit card as I have for years, I trust when this type of service and protection help needed, they will step in and resolve the problem. It's very disappointing that when the help is needed they refuse to take action. What is the use of all these benefits they advertise to get you to used the card then?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: IL
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:
I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions. 
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information. 
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation. 
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get. 
Please, help me to resolve the situation. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.

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 2015-06-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: SUNTRUST BANKS, INC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've been trying to contact a human at Experian for several weeks to figure out how to correct personal information that is not mine. 
When I get emails from Experian it is addressing me as XXXX ; it also has the last 4 digits of a phone number that is not mine. When I try to log in the site wants to send a code to that number so I can never go any further to get to my account. I'm stuck in a quagmire. 
Credit Bureaus take it upon themselves to dig into a persons ' personal financial history to ensure to creditors that the person applying is credit worthy ... .BUT they can't get their personal information correct and they make it next to impossible to correct it. AND want to charge for a membership. OUTRAGEOUS!!!

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 2016-11-02
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.

Company response to consumer: Closed with explanation