BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: MOHELA
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
First Issue, COVID Payment Reimbursement : In XXXX 2022, I requested a refund on all of the payments I made during the COVID payment pause. In early-mid XX/XX/2022, my accounts were moved to Mohela. XXXX processed the request for a refund immediately but subsequent to making the payments, I closed the bank account I made the payments from. The payments were then going to be issued to me in checks but the Department of Education " put a hold on the repayment '' according to the Department of the Treasury. This resulted in me spending over 10 hours on the phone over several days calling XXXX, Department of Treasury, Department of Education and Mohela. Finally, Mohela re-requested the repayments be issued by check. A few weeks later, I received a check for {$18000.00}, which was {$9400.00} short of the full amount I was owed. I have since called Mohela several times and they will not give me an explanation for why the repayment was short or if I will be receiving additional repayment checks. I am very concerned that my initial request for a refund was in XXXX of 2022 and seven months later I still do not have the full refund or any explanation of what is going on with nearly {$10000.00} of the refund.

Second Issue, Employment Certification Forms : In XXXX 2022, I submitted my yearly employment certification forms for PSLF to XXXX while they were still servicing my loans. In early-mid XX/XX/2022, my loans switched to Mohela. I called numerous times from XXXX to XXXX and would be told non-committal answers like my account information was still transferring or they could see my forms had been received and to give it 90 business days to process. Finally, in XXXX, I called Mohela again and asked for a supervisor review of my Employment Certification Forms. They agreed to have a supervisor review my forms, but estimated another 90 business days for it to be completed. I have several concerns with this response. First, why is it taking almost a year for Mohela to review forms that would take XXXX at the most two weeks? Second, my previous agency is in the process of shutting down and soon there will be no HR left. Once this happens, getting a form certified is going to be nearly impossible.

Both of these issues have caused me to spend hours on the phone trying to resolve the problems and I still do not have a solution. These are hours away from my young child, hours spent missing work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In 2022, my husband and I purchased a house that needed to be updated. I purchased several XXXX dollars worth of merchandise from Wayfair. I paid the card off every month and did not pay any interest except for {$10.00} or so when I returned a XXXX XXXX 

The last time I purchased something from Wayfair was in XX/XX/2022. I received statements from Wayfair in XXXX, XXXX and XXXX which showed that not only did I not owe them any money but they owed me {$19.00} that I had overpaid. Those statements have since been modified so that there is an amount of {$260.00} due but that amount was not on the statements I received. Nor was there any interest charged because the charge was not even on those statements originally. 

In fact the amount couldn't have been on those statements since the first statement I received saying that I owed Wayfair anything was in XX/XX/2022. The Wayfair statement said that I purchased something on XX/XX/XXXX for {$280.00} ( XXXX  XXXX ). Since I had not purchased anything since XXXX, I immediately called Wayfair and the person I talked to had no idea what the charge was for and had me file a fraud complaint. I filed the complaint and eventually Wayfair came back and said I owed the money. However I was able to find out that the {$280.00} was for a XXXX XXXX door. 

So then I did more research and you can see from my credit card statements from Wayfair that I paid my balance of {$280.00} and {$280.00} for a total of {$560.00} ( XXXX XXXX ). Wayfair 's statement says that the amount has been transferred and the payment is complete. So then I called Wayfair back and filed another billing dispute with Citi Retail attaching Wayfairs paperwork stating that I had already paid that amount. Citi Retail sent me a XXXX  XXXX statement and said I got the door and still owed for the door and they would ruin my XXXX credit score if I didn't pay them. 

I know I got the door. It is installed in my house right now. I didn't purchase it on XX/XX/2022 like they are claiming, I purchased in in XXXX and paid for it and a faucet the next billing cycle. The XXXX XXXX statement that they send me shows it was delivered in XXXX ( EXH XXXX ). 

I already paid Wayfair for this door. Wayfair 's credit card statements prove I paid for the door. How can Wayfair make up an amount 6 months after I purchased and paid for it and try to harass me into paying for it again. I will never buy anything from them again. They are not ethical. Please help.

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 2022-10-02
Company: Experian Information Solutions 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 recently looked at my credit report Ave notice that there was incorrect info reporting. XXXX companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to Experian and XXXX explaining 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 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over XXXX days I received response from consumer agencies stating they would keep inaccurate information on my 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was faithfully paid bill on time and never missed a payment and this company decreased my credit limit, causing my credit utilization on each card to be at 90 to 100 %. This company is called synchrony bank. I had over five accounts with them and almost every single one of those accounts They decrease each of them by a large amount like for example from my Sams Club card they decrease the balance from {$8000.00} all the way down to the total amount that I owe which was at {$2300.00}. This affected my credit and I was faithfully paying my bill on time. Never late. Now I can not hardly pay any of them because my utilization and my balances are so high.

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 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi CFPB customer care With American Express credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested American Express during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND XXXX XXXX reports as well late payments reported in XXXX, XXXX AND XXXX CREDIT reports associated with American Express card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to Experian on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they inform me of the results of the investigation and that they document that the accounts are in dispute. Experian has violated federal law and has caused me undue hardship because of their negligence.

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 2023-04-18
Company: EQUIFAX, INC.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the past 3 months, Bank of America has failed to close fraudulent checking accounts opened in my name, and has allowed the fraudulent account owner to transfer and withdraw money from this account. I have repeatedly called Bank of America customer support about this, with the lowlight being a XXXX hour phone call around XX/XX/XXXX where I was bounced around between XXXX customer service agents. After the phone call in late XXXX, I was assured that the account was closed. Several days ago, Bank of America mailed me ( to my parents ' residence, which is my old address ) an account statement for the fraudulent account. This statement shows an active account that was created fraudulently with my identity. 

Bank of America has told me repeatedly that this account ( and other fraudulent accounts that have been created ) were closed, and I am now finding that they have not delivered.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, Exper XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, Exper shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported Trans XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type Trans shows Open, XXXX  shows Collection ; XXXX XXXX XXXX XXXX Last Active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently checked my credit report and saw a very very very old account from Toyota motor XXXX as a charge off on my account!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reports dont even check if the info is correct or verify anything and just put it on my credit! i sent letters to all credit bureaus and to Toyota via certified mail # XXXX I need this fraudulent closed account and reporting to immediately be removed from all my credit reports!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date of Issue : XX/XX/2022 Location : XXXX XXXX XXXX I was propositioned to attend a " no obligation to sign up timeshare presentation '' for XXXX hours. I was repeatedly told that I did not have to sign up for anything. My personal information ( social security, address, date of birth and income range ) were required for this presentation to receive their " gifts and best rates '' Their gifts were XXXX tickets to the XXXX XXXX. 
XXXX pulled my credit history and opened a credit card in my name without my written or verbal consent. XXXX and XXXX showed a hard pull and a new account. I received a physical credit card for {$4500.00} from XXXX Bank and a letter declining to open a XXXX  Rewards card through XXXX. I had to file for Identity Theft to resolve this issue. 
The business used my personal data without my consent to open a fraudulent credit card. This impacted my credit score and my credit history negatively.

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 2023-09-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXXXXX  Sequoia Financial Services sent me a letter stating that they were collecting a debt that I owe to XXXX XXXX XXXX XXXX XXXX. 

The information included in the letter : An account number with XXXX XXXX XXXX XXXX XXXX, An amount owed of {$36.00}, And a due date of XX/XX/XXXX. 

The number for the utilities account they provided matches the apartment unit I was renting but the date is for the month before I moved in ( I moved into that apartment on XX/XX/XXXXXXXX  ). So I disputed the charges with Sequoia Financial Services in a letter, but they have ignored it and haven't communicated anything else to me since. My credit report now shows the debt in collections, and it is affecting my credit score. I have documents proving that I did not reside in that unit on the dates provided by Sequoia Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICES ESCROW ANALYSIS DATED XXXX REFLECTS ILLEGAL XXXX XXXX XXXX FEES TOTALING {$15000.00} GOING BACK ( XXXX ) XXXX YEARS OR MORE, PLUS FALSE {$130.00} ESCROW FEES THAT VIOLATES BOTH FLORIDA STATE XXXX & XXXX LAWS WHICH CAN BE CONSTRUED AS FEE PADDING, CONSPIRACY TO DEFRAUD, ABUSIVE CLAIMS, UNETHICAL SELF SERVING, UNJUSTIFIABLE OVERCHARGES AND XXXX XXXX XXXX 

XXXX XXXX XXXX INTENTIONALLY CLASSIFIED MY PROPERTY AS NON-HOMESTEAD TO PUT ME IN XXXX WAY WHEN IN FACT IT IS MY XXXX NOTED IN XXXX XXXX XXXX PROPERTY TAX RECORDS SINCE XXXX. MY PROPERTY IS A XXXX IN A NEW HIGH RISE CONDOMINIUM WITH HOME OWNER ASSOCIATION THAT PAYS FOR OUR MASTER POLICY BUILDING INSURANCE COVERAGE IT IS NOT A HOUSE.

Company response to consumer: Closed with explanation