BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX, which bought my student loans from XXXX, recently sold them to Firstmark Services, effective XX/XX/2021. I attempted to submit payment electronically via online banking but it did not go through. I spoke to Firstmark who suggested sending checks, which I did, also through online banking. These checks were deposited by Firstmark, for {$170.00} on XX/XX/2021, for {$170.00} on XX/XX/2021, and for {$170.00} on XX/XX/2021. Despite following their instructions, Firstmark applied these three checks to only one student loan. Firstmark continues to badger and harass me about the second student loan, even though I called in several times and their representatives have requested that the misapplied funds be redirected to the correct loan. The last representative said there was nothing she could do to expedite the correction and that I would continue to receive collection calls until they sorted out the situation. This is obviously unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: NY
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 score went down more then XXXX points. I called XXXX  and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call Experian to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.

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 2021-04-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX On or about XX/XX/XXXX I asked for a credit increase to {$10000.00}. According to the response it went through as I requested. XX/XX/XXXX I made a purchase at XXXX for @ {$36.00} and it was declined. After spending 1-2 hours on the phone with agents ( outside US ) I was told they couldnt disclose why I was declined, and after calling back agin that I couldnt be verified, and thy couldnt disclose why my card was shut down. 
On XX/XX/XXXX, after spending a considerable amount of time on the phone with XXXX in the fraud dept. ( I asked for fraud bc I know I could check activity and find out if there any fraudulent activity or attempted ID theft ) I was assured that my she took care of my complaint, and was going to send my complaint to management. Sill I didnt know why I was shut down. She assured me everything was OK with my card. Two hours later I went to pick up prescription at XXXX XXXX, and my card was declined again, my purchase was {$8.00}. I tried for another hour to get through as I needed to make another purchase while I was out and didnt have enough cash with me. 
After several calls I inadvertently closed my account by hitting the wrong response number while on with the robot, and the next agent told me that my account was closed. 
Im done with XXXX XXXX XXXX, but I have a right and they have an obligation to tell me why this happened.

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 2017-10-20
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX sent a letter to me and to experian to remove a late payment from XX/XX/2020 and they openly admitted to making a mistake on my credit report. I have a document to prove it as well.

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 2017-10-20
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried with everthing to receive a loan modification. I have emails dates and documents. About 4 years ago I was two payments behind with Citi-mortgage. I applied for a loan modification to try to catch up those two payments. Citi-mortgage modification department told me the only way I could receive a modification is that I first hold a payment so I could qualify for a modification. In there words at the time I had to be 3 payments behind in order to qualify. I did as I was told putting my self in deeper debt If you are 90 days behind you could be forclosed on. I tried for a year and a halp for loan modification. Than only thing left for me to do was to file bankruptcy house included. Money came out of my check to pay the bankruptcy department that was sent to Citimortgage by way of my attornies. Then I had to pay Citi-mortgage a regular payment of XXXX a month. Then they werenot satisfied and tried to get the automatic stay removed sent to my lawyers saying I wasnot making my payments. Remember money came from my check to pay them for back pay. Also I made a monthly payment of XXXX. My attonies negotiated and the new terms was I had to pay XXXX a month plus XXXX per month and money continued to come out of my check for Citi-mortgage. So now I made three different paymenst a month to Citi-mortgage I couldnot afford it buy I tried. Than they pursued 5 months latter to have the automatic stay removed. They succeded I spoked witth my attornies they suggested convert my chapter XXXX XXXX to a XXXX and surrender the house and walk from the house. I did as my attornies advised because Citi-mortgage refused to work with my attornies. I invested 10 years of myselft and my families life in that house. My wife and myself suffered hardship because of this situation. We had to find a rental property that cost us XXXX dollars a month. Also Citi-mortgage said we will not give you moving fee money. The move cost me and my wife XXXX plus furniture it depleated our savings. Citi sold my house and got all the proceeds. 

We could have been living in a cheaper house affordable and we own it now we are renting please investigate there tatics. I was told Citi-mortgage is a powerful company and know could take them own. They gave us no help whatsoever this was very unfair XXXX 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 2020-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I now own property after foreclosing in XXXX and the payoff amount appears about {$140000.00} more than Remaining Loan balance calculations would indicate. 

The senior lender and current lienholder XXXX XXXX XXXX XXXX XXXX  XXXX, through its serving agent Select Portfolio Servicing, has provided a payoff figure of $ XXXX on the 2004 loan of {$330000.00}. After 16 years of payments, estimated Remaining balance calculations would arrive at {$220000.00} due. 

I have questioned why, after 16 years of payments from borrowers, the payoff is not approximately {$220000.00}. I have asked for supporting information of their {$360000.00} payoff demand, i.e. basis for calculations, terms of loan, etc. SPS refuses to provide any information since I am not the borrower, despite the fact it is a lien on my property and that the payoff provided appears patently erroneous. No principal paydown in 16 years?? and higher payoff than original loan after 16 years of payments??? 

SPS refuses to internally escalate the matter to have the payoff recalculated and reviewed. If privacy bars me looking at the source data, given the huge discreptancy, it should be accessed by another department or neutral source. SPS refuses to do so, and continues to deny me all information regarding the loan, except for payoff figure. 

Privacy should not bar an explanation for the substantial payoff discreptancy. 

I am being given a payoff amount that on its face is substantially invalid ( maybe fraudulent ), that SPS or XXXX  will not verify and " privacy '' is being used to bar me from getting the correct payoff figure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SCA COLLECTIONS XXXX Account number XXXX I was unaware of this debt prior to it being reported on my consumer credit report. 
15 U S Code 1681 section 602 A States I have a right to privacy.

15 U S Code 1681 Section 504 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtOn or around XX/XX/XXXX - XXXX 2022 I received numerous calls at my place of employment. 

15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
I have disputed this upon numerous occasions it has affected me receiving credit negatively because of the fraud alert placed on my XXXX Credit Report without my knowledge causing multiple denials and unintended inquires. ( See Attachment )

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 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.

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 2018-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18, I opened a Capital One Money Market Savings account that had a bonus offer of XXXX after depositing a total of XXXX by XXXX XXXX.  I made 4 seperate deposits of : XXXX, XXXX, XXXX, XXXX, by XXXX XXXX.  The terms stated that the bonus would be posted by 60 days after the XXXX total had been met, and the bonus still has not been posted. When i contacted capital one, I was told the the XXXX had to be deposited at one time, which is not stated at all in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I received an alert that my loan with XXXX XXXX XXXX is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.

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 2017-06-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
MY COMPLAINT IS SGAINST WELLS FARGO BANK, I HAVE A CHECKING AND SAVINGS ACCOUNT WITH WELLS FARGO BANK AND THE PROBLEM I AM HAVING IS THAT WHEN MY BALANCE REACHES A LOW LEVEL AND I VISIT THEIR ATM TO MAKE A DEPOSIT TO THE WELLS FARGO ATM MACHINES, THE DEPOSIT OPTION IS ALMOST ALWAYS UNAVAILABLE FOR DEPOSIT AND THIS IS TRUE REGARDLES OF THE LOCATION OF THE MACHINES. THEN I AM CHARGED HUNDREDS OF DOLLARS IN OVERDRAFT FEES BECAUSE I COULD NOT BALANCE THE ACCOUNT I SUSPECT THAT THIS IS A DELIBERATE AND INTENTIONAL AS WELL AS UNPROFESSIONAL BUSINESS PRACTICE BY WELLS FARGO AGAINST THEIR CLIENTS.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day 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 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 2022-05-03
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5000.00} ), XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$520.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} ), XXXX XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance : {$14000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation