BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX  was bought out by Peoples. I had bill pay through XXXX, I was trying to log into my XXXX XXXX  account to see my online payments, but it was disabled & directs you to open an online banking with peoples, which I did. Unfortunately, Peoples only showed 1 payment on my active bill pay. I had a bill that I thought was paid on bill pay through XXXX but was not showing up on the Peoples. I made the payment through Peoples & now I see on my Peoples account that they withdrew 2 {$1000.00} payments from my account ( vs. only 1 payment owed ) upon calling the customer service rep says shes sorry but not all the bill pays have transferred over & I can not see what I have paid already!! How am I supposed to know if I paid a bill or not. Now, I AM OUT {$2100.00} from my bank account & the rep says I have to call the company and ask for a refund! THIS SHOULD NOT HAVE HAPPENED! This IS THE REASON I REMOVED MY MONEY FROM PEOPLEs previously & now I am forced to have them again. They obviously were not ready for the transition. What if I did not have the funds! This take over should have been more carefully monitored and this bank penalized for this incident. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have only federal student loans from XXXX and XXXX XXXX  I have been enrolled in PSLF since XXXX. In XX/XX/XXXX I consolidated all of my loans to take advantage of the IDR one time account adjustment. I then applied for the SAVE repayment plan on XX/XX/XXXX. Student loans website said that application was completed on XX/XX/XXXX, it said I would owe {XXXX} a month. In XXXX and XXXX, I like many other millions of people was put on administrative forbearance. As per 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ), periods of administrative forbearance should be counted towards PSLF when you are at a qualifying employer, which I am. The forbearance is set to end on XX/XX/XXXX. On XX/XX/XXXX, I log into my Mohela account and find that my bill is actually {XXXX}, which is MORE than {XXXX} if i can do the basic math. I also found out that i was not on the SAVE plan, but on the LEVEL plan. Which not only doesn't count towards PSLF but is XXXX higher than what the payment should have been. I called MOHELA on XXXX XXXX, XXXX, and while they said they could elevate the payment count issue with the administrative forbearance, they could not help me with the SAVE plan and i needed to call student aid. So i called student aid. They told me that their records show the information about my SAVE application was sent to MOHELA on XX/XX/XXXX. They recommended that I resubmit the SAVE application, which i did. They also contacted MOHELA to get this sorted and then told me to file a complaint on their website. I am filing a complaint here because MOHELA is a loan servicer and both MOHELA and student aid, have no clue what is going on, and it puts my livelihood and the livelihood of millions of people in jeopardy. CFPB, congress, and the public needs to understand what is going on, because its not getting resolved any time soon and the government is continuing to co-sign loans for XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXXXXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried on several occasions to change my repayment plan from level to extended fixed. I originally requested this in XX/XX/XXXX ( I dont have the exact date given they didnt send receipt ) through mohelas site and repayment calculation tool. Mohela did not process my original claim, nor send any receipt of my request. Instead, they placed my loan into administrative forbearance. After the forbearance period ended they still had not changed my repayment plan. Despite spending hours on the phone I have not been able to contact anyone at Mohela to address this and have resubmitted my request to change ( XX/XX/XXXX ) my repayment plan structure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Mohela student loan accounts were placed on administrative forbearance in late XXXX. I was not informed why. I looked it up and found this website https : XXXXXXXX which explains why I was placed on administrative forbearance but also states that interest accrued during this forbearance should be zeroed. I then received a letter from Mohela about a week later stated that I was placed on administrative forbearance, but it still didn't explain why. The letter specifically states that " daily interest continues to accrue '' during the forbearance. 

In addition to this, because I was placed on forbearance, my auto payments were cancelled which caused my interest rates to increase by 0.25 % on all of my loans. I emailed Mohela through the secure messaging platform on their website in XXXX XXXX XXXX XXXX XXXX. I have yet to hear back from them at all. I tried to call at some point too but the wait time was over 2 hours. I have significant student loans through Mohela so the interest accrued during this time is at least {$1700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
Auto loan with Truist bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.

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 2019-02-09
Company: EQUIFAX, INC.
State: WI
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:
Complaint against : XXXX, XXXX and Equifax. 
In XXXX, XXXX, my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD  XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XXXX, XXXX. 
In XXXX, XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, XXXX and Equifax sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, XXXX   and Equifax on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I have attempted on several occasions to complete the required employment certification for XXXX. I worked at XXXX University from XXXX of XXXX through XXXX of XXXX, and currently work for XXXX XXXX XXXX XXXX, which I began in XXXX of XXXX and last certified on a XXXX form in XX/XX/XXXX. All of this employment was submitted in XX/XX/XXXX, at which point only my current employment was approved. I resubmitted my employment with XXXX in XXXX. I recently received a notice that my XXXX employment was approved, however when they approved my XXXX it appears they removed my employment at the XXXX XXXX XXXX XXXX. Previously, I had XXXX qualifying payments, XXXX through XX/XX/XXXX, however now it lists none, and states the reason is no employment was certified. The letter approving XXXX only has XXXX listed and not the XXXX XXXX XXXX XXXX.

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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had sent a {$50.00} amount on XXXX which is linked to my Bank of America debit card in which I paid for a service I did not receive however on XXXX it does not allow me to dispute the payment and Bank of America said they are unable to do anything regarding the claim. The person whom of which was offering the service now refuses to offer me a refund despite numerous attempts and XXXX requests made to that account stating I would like a refund, the person also never stated that the service was non-refundable so I would like to proceed with getting my money back.

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 2023-11-20
Company: CREDIT WORLD SERVICES, INC.
State: MO
Product: Credit reporting 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, convergent account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 2021-12-02
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2019-02-01
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received correspondence from Statebridge Company regarding forced placed insurance on my property, loan # XXXX. Although Statebridge claims to have removed the forced placed insurance effective XX/XX/XXXX, stated in a letter dated XX/XX/XXXX, Statebridge continues to assess me for forced placed insurance according to the XXXX mortgage statement sent by Statebridge on XX/XX/XXXX ( statement dated XX/XX/XXXX ). 
In the correspondence letter from Statebridge dated XX/XX/XXXX ( received XX/XX/XXXX via CFPB ) states, " As of the date of this letter, your account with Statebridge is reflecting a current status with a next payment due on XX/XX/XXXX ''. 
To the contrary, the XX/XX/XXXX statement sent by Statebridge continues to demand payment for forced placed insurance and lists late fees. I contacted Statebridge and spoke with a woman by the name of " XXXX '', ( Team Lead is her title ), whom has informed me that the letter I received from Statebridge dated XX/XX/XXXX, claiming to have cancelled lender-placed insurance on my property as of XX/XX/XXXX, is incorrect. XXXX seemed to feel that she was more knowledgeable than whomever was communicating with the CFPB and questioned the validity of the documents sent as attachments from Statebridge, in response to my complaint. Ms. XXXX has further complicated this matter with her contradicting statements and brash demeanor. I requested a mortgage statement reflecting what " XXXX '' was stating, as she informed me that the current statement sent to me was also incorrect, but she said she could not or would not be forwarding a correct statement. XXXX instructed me to send in a payment different than the amount demanded on the mortgage statement I received for XX/XX/XXXX payment. 
This has to be one of the most dysfunctional companies I have ever had the displeasure of dealing with. 
It appears I have no other option to get a straight answer, than to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
showing that thois account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

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 2023-03-21
Company: EQUIFAX, INC.
State: AZ
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 am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my checking account was low on funds and I had a {$2000.00} mortgage payment being automatically withdrawn from my account on XX/XX/XXXX. I get paid on the XXXX, so i went to my credit union, SAFE, and I got a cashiers check of {$2500.00} to cover the mortgage payment. Running short of time, I used my banking mobile app to deposit the Cashier 's Check and completed the {$2500.00} deposit on the XXXX of XXXX. 
Today, I tried to use my ATM card and it was rejected. Slightly embarrased, I was confused because when I deposited the check it said it would be available the next day, which was the XXXX. Subsequently, today in my account it said, " Deposit Hold {$2500.00} Total amount delayed, available XX/XX/07 at XXXX XXXX PT ''. The funds had been removed from my account and held without compensation. This was a Cashiers Check I deposited which is guaranteed funds on the bank it was drawn on. There is no logical reason, or policy to put a hold on guaranteed funds. More importantly, when I called Bank of America Customer Service to discuss this and see if there was anyway to release the Cashier 's Check, they said no policy would allow anyone to release the funds. My money was being held hostage for 8 days. In addition, the Customer Service Rep let me know their was " Confidential '' note on my account, but he could not access it. This reeks of abusive banking practices, retaliation for my previous complaint and the hold on the check is completely unjustified and, I assume, illegal, but I digress. I was also assessed a {$35.00} overdraft fee for my rejected mortgage payment. When I received my pay check today, I was so traumatized by a cashiers check being put on hold that I went to my credit union to deposit it and withdrew {$2500.00} cash so I could cover the money that the Bank of America has illegally removed from my account. I did trust B of A to deposit my check there and I won't anymore. How can they take money from innocent people and sit on it for 8 days. In addition they make money on it. It is just plain piracy.

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 monetary relief