davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (OR)

CFPB needs to change the name on this account to reflect my LEGAL NAME. This must include middle initial and suffix! 

I AM NOT XXXX XXXX. 

Nelnet is refusing to show this account paid in full and stop collections on a balance that I do not owe. Great lakes currently shows paid in full like it showed in XXXX, 11 years ago. It showed on the great lakes site along with recent screenshot as paid in full status. I have provided the necessary documentation. 

We do NOT OWE This DEBT. 

No matter how they try to spin this, we do not owe this debt.

Nelnet is also refusing to acknowledge they did not have the correct name on the account and per US Code for compliance, should be removed from my credit report. 

They are saying the balance was transferred in XX/XX/XXXX as the form letter shows. 

Great lakes showed paid in full, 11 years ago and recently, paid in full- discharged. NOT TRANSFERRED. Screenshot attached again. 

HOW CAN A BALANCE BE TRANSFERRED WHEN IT SHOWED PAID IN FULL 11 YEARS AGO, NO COMMUNICATIONS, NO STATEMENTS, NOTHING FOR 11 YEARS then the post COVID ILLEGAL DATA XXXX  SHOWED ON OUR CREDIT REPORT AS OWING ON XX/XX/XXXX. Now they won't stop sending mailing that I owe this debt which is blatant illegal collection practices and fraud. 

You can't collect on a debt that was discharged and showed Paid in Full 11 years ago on their website and again as of XX/XX/XXXX when supposedly this debt was transferred Nelnet is in direct violation of FCRA and US Code for Compliance by refusing to acknowledge the paid in full status and reporting and trying to collect on a debt owed that is NOT owed. Also reporting under the wrong legal name.

THIS IS NOT MY DEBT! 

Most recent letter response : Dear XXXX, We are writing in response to the inquiry you submitted to the Consumer Financial Protection Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S.

Department of Education ( ED ). We take your concerns seriously and appreciate the opportunity to respond. 
As we understand it, you assert that your loans were paid in full in XXXX, however, they are currently reflecting an active balance. You are requesting that we update the account to reflect paid in full. 
We addressed similar concerns in our enclosed response dated XX/XX/XXXX that also included our XX/XX/XXXX response. We advised that ED authorized the transfer of your loans from Great Lakes Educational Loan Services Inc. ( GLELSI ) to Nelnet on XX/XX/XXXX, to be repaid. 
Following the transfer of your loans the tradelines associated with your GLELSI account were updated to reflect a {$0.00} with GLELSI, this does not indicate that your loans have been paid in full or discharged. 
If you have any other questions, you may call us at XXXX from XXXX XXXX. to XXXX XXXX  ( XXXX ) Monday, XXXX XXXX to XXXX XXXX. Tuesday and Wednesday, and XXXX XXXX. to XXXX XXXX. Thursday and Friday. You can also email XXXX or visit XXXX. 
Sincerely, XXXX XXXX. 
Nelnet XXXX : XX/XX/XXXX, XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BMO Bank, N.A. (CA)

This is an issue with lender BMO Harris Bank, residential mortgage loan # XXXX. This loan is on our primary residence. During the fall of XXXX, our mortgage rate adjusted increasing our monthly mortgage payments significantly. We worked with the BMO and they directed us to their loss mitigation department - the process was extremely tedious, time consuming and we had to provide over 100 documents. After the laborious process, BMO approved a forbearance program in which currently are. The approved letter of forbearance is attached. As of XX/XX/XXXX, BMO is again requesting over 50 additional documents to assess our situation and we are providing the documents as we gather them. 

However, despite being in an approved forbearance program, BMO is sending us letters of breach and default and threating us with foreclosure. Please see the 2nd attached letter. 

BMO continues to give us a very hard time with their tedious processes and the same time is causing confusion and harassment while allowing an approved forbearance plan and sending threatening debt collection letters simultaneously. It is extremely frustrating to work with BMO - we landed in this unfortunate situation because our original lender Bank of the WesXXXX was acquired by BMO.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

THIS IS NOT A DUPLICATE CFPB COMPLAINT OF ANY PREVIOUS OR RECENTLY SUBMITTED CFPB COMPLAINT. 

On XX/XX/XXXX, I submitted a request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a letter dated XX/XX/XXXX, LexisNexis requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX . Once again, I requested an updated copy of my LexisNexis Accurint Report. 

In a second letter dated XX/XX/XXXX, LexisNexis again requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX XXXX Once again, I requested an updated copy of my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a third letter dated XX/XX/XXXX, you again requested that I contact you via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

What else do I have to do to receive an updated copy of my LexisNexis Accurint Report? Ive called. Ive emailed. Ive written. Ive even submitted CFPB complaints that LexisNexis has ignored or blatantly lied to the CFPB.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I need Marcus by GS to call me on XXXX to immediately unlock my account and complete my fund transfer for tuition purpose. 

I have provided all the information they need including : name, date of birth, social security number, phone number which they successfully sent me code and verified me, XXXX form they requested ( I notarized with my information and correctly filled out the whole form - verified by the notary public or else he wont notarize the document with signature and stamp ), my email address, my secret word. All the above information has been verified and matched the record at Marcus by GS. Any other bank I worked with could verify their customer with any combination of the information above. I do not understand what is the issue with my account. They can not figure out what else they need to verify me either. 

Since XX/XX/2023, I have been calling every day to their customer care hotline and have been transferred at least 50 times and spent 10+ hours on the phone either on hold or being told to call back. I have all the calling records. I have everything they asked me to do and there hans't been any solution. Simply calling by again on their customer service hotline makes me start from XXXX as I have to go through the whole process and provide all the information I have provided multiple times without a solid solution and it is been over a month. When I hear them asking me to call back again, I just feel extremely distressful as I need the money for tuition and need help ASAP.

I have all the records on the previous statement Marcus at GS sent me. I also have records on the previous transfer that I can provide. I have all the text message they sent me. They can also ask me for the bank information of external account. Any of these can verify me. The only answer I got from customer care is they can not authenticate and can not tell me why. 

Would really appreciate any immediate support from Marcus by GS on my issue as the delayed payment in tuition can result in potential penalty on my side.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I reported That i have tried to cancel a subscription from XXXX but they are not cancelling it, and they continue to illegally charge my credit card. they have been charging me since XXXX XXXX  monthly and i have not logged in or used their services because I did not need their services. Even after i told them through the dispute with my credit card, they still have not cancelled the subscription and refund me the charges dating all the way back to XX/XX/year>. I decided to do a research on XXXX and all the reviews on the XXXX XXXX XXXXXXXX XXXX website and other sites complains mostly about their cancellation difficulties. I need either Barclays bank or XXXX to refund my money from XX/XX/year> all the way to date and cancel the subscription. We are poor people trying to make a living, we should be taken advantage of.
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES (IL)

I closed on my home XX/XX/XXXX. My mortgage was {$1200.00}. I received a statement in XX/XX/XXXX that my mortgage was increased to {$1600.00} due to an escrow shortage. After speaking with my loan servicer ( Land Home Financial ) I was informed that I didn't have enough money to cover my taxes. {$2400.00} was paid by the lender since I didn't have enough money to cover in my escrow account. They are charging me the overage amount. I did not take ownership of the property until XX/XX/XXXX so I was not responsible for XX/XX/XXXX taxes. I don't see how the loan servicer can use my escrow to pay taxes for a year when I did not have ownership of the property when the dates are on the tax bill. I don't understand why they mortgage broker was contacted AFTER the loan servicer already had paid the taxes from my escrow instead of prior to. I spoke with the mortgage broker whom stated to me that the Title Company ( XXXX XXXX XXXX XXXX ) didn't pay all of the liens during closing. I submitted a complaint to the title company and it was discovered that the seller did not pay the XX/XX/XXXX taxes. The title company subsequently denied due to they had no way of knowing this at the time of closing and stated to me that both attorneys for me and the seller should've caught this. I spoke with my attorney that did the closing and he stated to me that the title company is responsible because they estimated my taxes incorrectly. He said I got credit the taxes at closing, however, I only got credit for XX/XX/XXXX not XX/XX/XXXX since the seller was suppose to pay those taxes. He stated if the seller didn't pay the XX/XX/XXXX taxes that I would have to go after him, but at this point I would get no money. He offered little help and showed no concern that he did do his due diligence acting as my attorney. If the seller did owe XX/XX/XXXX he and the seller 's attorney should've made sure they were paid or I got credit. If the title company did estimate figures incorrectly at closing and he was aware of this, he should've stopped the closing process until they were done right. This is my first home purchase and this has been a very stressful experience by far. Since my XX/XX/XXXX taxes have been taken out of escrow my mortgage has again increased to {$1700.00} effective XX/XX/XXXX. My escrow account has not been refunded and I am left stuck with being penalized for XX/XX/XXXXtaxes and nobody will do anything to correct this error. This is my last recourse, as I am depleted of the little savings I had to pay the overage and have fallen behind in other bills, including my mortgage payment. My credit has suffered and I am at a loss. Please help.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

Hello, I am writing to report a serious security concern regarding Roundpoint Mortgage Servicing LLC. The company uses Social Security numbers ( SSNs ) for username lookups on its website, mobile app and when calling over phone, which suggests that SSNs are being stored in plain text and used to look up user accounts. 

Specific Issues : 1. Gramm-Leach-Bliley Act ( GLBA ) : The Safeguards Rule requires financial institutions to protect customer information. Storing SSNs in plain text and using them for user lookups may violate this rule.

2. Federal Trade Commission ( FTC ) Act : Section 5 prohibits unfair or deceptive practices. Failing to protect SSNs adequately may be considered an unfair practice.

3. California Consumer Privacy Act ( CCPA ) : As a California resident, I am concerned that this practice does not meet the CCPA 's requirement for businesses to implement These practices expose customers to significant risks of identity theft and unauthorized access. I'm asking the FTC to investigate this matter and ensure that Roundpoint Mortgage Servicing LLC complies with relevant data protection regulations.

Thank you for your attention to this matter
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing Credit Acceptance on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my 3 credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX / XXXX XXXX XXXX. went bankrupt XXXX XXXX XXXX XXXX ). They are unresponsive for the following problems : Scammed us into purchasing a Solar System worth XXXX the market value through a loan with an out-of-state bank. 

They took almost XXXX months to start the project after payment to loan company. 
Left us with a solar system that has not been finished installed properly and does not work as promised. 
Solar Panels have damaged the roof.

Salesman told us it would cover our entire electricity needs and even make a profit from the by reselling extra electricity back to the electric company. Lie. We still ended up with a very high year-end settlement bill from XXXX XXXX XXXX .

They installed the panels in an area that is shaded so half of the panels do not generate much electricity. 

To compound the problem, XXXX XXXX XXXX changed their rate structure ( XXXX XXXX ) where it does not make much financial sense to own Solar Panels anymore. They buy the electricity at a cheap rate and resell it to us at triple the rate in the afternoon and evening. This was not the case before with XXXX XXXX We are now left with a {$46000.00} loan for XXXX years for something that does not work as advertised. The system is probably only worth {$20000.00}.

Also, the salesman promised that we would get high tax credit refunds from the federal government which, according to the accountant, never qualified for or received. 

Also, for this system to work correctly the Solar Company needed to include a Backup Battery with the Solar Panels to store the excess energy needs instead of selling it back to XXXX XXXX XXXX 

Complaint has been filed with XXXX. 

Many other customers from XXXX XXXX have experienced similar issues.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

This company constantly charged overdraft fees in less than 24 hours when I asked him to leave the overdraft fee because it's less than 24 hours sometimes they do it most times they refuse to do it or tell me that they can't do it.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One credit card begin charging me a {$40.00} late fee and increase from {$25.00}. I asked for a credit and one credit was applied to my Capital One Quicksliver card but not for my other Capital One card. These credit card company are making it impossible to get ahead when the continue to charge a ridiculous amount on late fees. They didnt inform me of the sudden increase. Capital One has a history of theses practices.
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

In XX/XX/2018, I went to XXXX located at XXXX XXXX XXXX, XXXX XXXX tx XXXX and I made a money transfer from XXXX to XXXX thru Money gram. 
I sent $ XXXX to XXXX XXXX about XXXX XXXX ct. And I get my copy from the money send with receipt reference number : XXXX. 
The recipient call me same day about XXXX ct from XXXX XXXX to get the reference number to get the money, once the recipient was at the store ( XXXX XXXX XXXX , at XXXX XXXX XXXX ) to collect the money, the recipient was told from the person in charge that the money was already collect y, and the recipient went to a different store ( XXXX ) to try to collect the money and the store manager from XXXX told the recipient that the transfer was block and to come back another day. 
The recipient call me right away and explain me what just happened, so I told him that maybe was an error in the transaction but to comeback next day to collect the money. 
The recipient went back next day and the store manager from XXXX told him that the money wasalready collected, the recipient ask for a prove of the transactions but was denied y, so the recipient call money gram and money gram said that it was already collected but money gram can not give more information only to the sender, I called money gram and they ask me all kind of question and money gram said that it was already collected but they were going to investigated what happen, I asked them for the confirmation of payment or information of the person who suppose to collect the money and theysaid they didn't have it yet but they were going to investigate and call me back, it's already a month and I haven't heard from moneygram. 
Money gram representative over the phone gave me a case number : : XXXX
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On XX/XX/year> someone hacked into my Citibank online account. They changed my online password and then proceeded to send XXXX wire transfers from my money market account for {$1800.00} each for a total of {$3600.00}. I was on the phone with the Citibank representative while the transfers were happening since I got an email telling me my online account password had been changed. I asked the Citi representative to lock down my accounts but she continued to ask questions and did not shut the accounts down fast enough as the hacker got more money. Citibank said they would reach out to the receiving bank to get the money back and I needed to wait 90 days. I waited 30 days and I had to reach out to Citibank to get status on the situation and they told me XXXX said there was no money in the receiving account and they would not return the money. I was then told to fill out a Wire transfer Fraud report to get my money from Citibank. Citibank has denied me my request to return the money stating it was a scam and not fraud. To this date I have not received any communication or correspondence from Citibank on the fraud or any investigation. I have had to reach out to them they never communicate with me.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

Our payment is XXXX XXXX per month including taxes and insurance XX/XX/XXXX payment is reflecting XXXX They also haven't posted the XXXX additional to be added to our escrow account XX/XX/XXXX This company has 1000 's of complaints regarding the same issue