BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and did not get a response within XXXX days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Got a school loan back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Started repaying back the loans until i hit a rough patch and could not afford to make the full payments every month. I called and asked if they could help me out by lowering my payments or freeze the interest for a while or anything else they can do to helpe out. Their response was that there was nothing they could do for me. So i would make partial payments but with the interest and late fees, i was getting no where. I called back and talked to them again and i got the same answer so i told them that i was going to stop paying cause the late fees where ridiculous. Instead of lowering my loan it was going higher and their response was you do what you have to do. Less than a year goes by and they started taking all of my taxes each year. XXXX is somethimg else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a personal loan with Wells Fargo XX/XX/XXXX. I have several issues with the bank, which continue to be unresolved. So I will address only one issue at this time. My monthly payment is {$210.00}. Enclosed, please find that on XXXX/XXXX/XXXX, a payment was made and the entire payment of {$210.00} was applied only to interest. In addition, the balance never decreased due to this mistake. It still appears as {$5000.00}. The bank agreed to correct the mistake, but then changed it back to the original error. I am asking for assistance with the banks error. Thank you.

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 2016-01-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear CFPB, I have recently been denied an application for credit on the basis of my Equifax credit file. According to federal law, I should be able to obtain a free credit report from Equifax. Yet for about the 10th time I have been in this situation, Equifax will not make my credit report available to me online. Each and every time I am directed to a page I am supposed to print out and mail to them together with a copy of my Social Security Number card and driver 's license for further verification. I have done this numerous times in the past. I have also called Equifax a countless number of times and spent hours upon hours on the phone with them trying to obtain my report and resolve this issue. Yet EACH AND EVERY time they deny me access to my rights under the pretense of identity verification. How many times do I need to send them my sensitive documents in the mail ( and risk identity theft in the process )? They do not have a problem verifying me. They are simply trying to make it as hard as possible to obtain free credit reports so as to goad you into signing up for their paid services. This is shameful and I have never been so disgusted with a financial institution in my life. Yet I am captive audience and can not leave to choose another provider. That 's just how credit reporting works. Please note I have absolutely NO PROBLEM obtaining my credit reports on first try with XXXX or XXXX. Please please please force about change at Equifax or shut down this racket!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Debt Recovery Solutions, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.

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 2016-03-14
Company: Nelnet, Inc.
State: ID
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:
Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. 
As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. 
My account number with Nelnet is XXXX and my SSN # is XXXX. 
I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. 
I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. 
I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2023 XXXX XXXX XXXX opened a unauthorized and unrecognized inquiry on my Equifax account that I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XXXX XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. Worse, when I disputed the information to EXXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. As of XXXX XXXX, XXXX - almost a year after payment - the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Cash advance

Complaint:
I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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: Information belongs to someone else

Complaint:
I have submitted to TransUnion on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX XXXX they received it and put a fraud alert in my report. In XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report. I also had an account that was deleted because it not mine added to my credit report. The creditor is XXXX XXXX. 


I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XXXX  XX/XX/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 2017-02-20
Company: Navient Solutions, LLC.
State: HI
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:
We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.

Company response to consumer: Closed with monetary relief