BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: EDvantage LLC
State: CO
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:
There is currently a temporary restraining order due to an FTC lawsuit against XXXX. My loan is with Tuition Options for classes I purchased from XXXX ( XXXX XXXX XXXX. ) The temporary restraining order clearly states that XXXX is temporarily barred from collecting payments on the loans it made to customers to finance purchases from the company, and it is not allowed to sell the debt to others or report consumers to credit bureaus for non-payment of the loans. 

Tuition Options continues to contact me to collect the loan payments. I responded in writing and attached the case file but the tell me " Tuition Options is aware of the investigation and we were advised that XXXX XXXX XXXX is disputing the accusations. At this time, the loan serviced by Tuition Options is still due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX XXXX XXXX think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at one of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. 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 2023-11-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I paid my mortgage on XX/XX/XXXX on the LoanCare Portal. The money did not come out of my checking account so on XX/XX/XXXX i went online to check and the portal/website was down with no explanation. i called the XXXX number and the lines were also down. Again, no explanation. I found information online that there was a cyber attack on the LoanCare site. there was no communication on this. Also, on XX/XX/XXXX, they did take {$190.00} out of my account for an appraisal they were supposed to set up to remove my PMI payment from my mortgage. I never got a call to schedule the appointment. But they took my money. 
Today, i went on the portal and was able to log on, but it looked different so i called LoanCare. After XXXX mins i got through to a representative who basically told me not to trust the site. And she couldnt take payment over the phone. Nothing is processing right now. She didnt know anything further and would not tell me why the customers have not been notified. This could impact everyone financially! This is a big deal and all of their customers are in the dark. Its almost XXXX and i need to pay my mortgage. What is their obligation to the customer to inform them of the data breach?

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 2022-04-10
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I still never heard back about my dispute for the {$64.00} Membership Fees XXXX on XX/XX/XXXX at XXXX XXXX cash app support told me they escalated my case XXXX and someone will email me back about my dispute no one ever got back to me yet my cash app tag is $ XXXX I want y'all to fill the dispute for me and credit my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
This is a repeated problem with this company and this creditor. I have filed numerous complaints of errors gravely effecting my credit report. Account was charged off in XXXX not XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
XXXX XXXX will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.

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 2023-11-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Currently my mortgage lender Loan Care parents company XXXX XXXX XXXX has undergone a cyber attack based on public reporting. This issue is payments are officially due soon and the providers website and phone payment service is non operational. Further complicating the problem is that no official notification or instructions on what to do for the upcoming XX/XX/XXXX payment have been made. This problem has been going on for almost a week and nothing has been provided from the company.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. XXXX XXXX and Experian have failed to remove the fraudulent accounts and inquires as required by the statue.

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 2021-02-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I would like to resolve 2 problems going on with Citibank : 1. Problem : In XX/XX/XXXX, I received a letter from Citibank that they were terminating banking relationships with me and since that date ALL my 4 bank accounts were locked/frozen removing any type of access. I called Citibank asking for a reason to this action and they explained that due to money received from the SBA into a personal account and not enough documentation, they were going to return the money to SBA in a period of 30-60 days. In XX/XX/XXXX, I got another letter from Citibank explaining that the money was going back to the SBA. 
Today is the date that Citibank has not returned the money to the SBA. I called the bank today XX/XX/XXXX and they said that the process was going to take between 30-60 days. The problem is that I always get the same response and more than 60 days have passed and Citibank doesn't return the money. I don't understand why it would take SO LONG for Citibank to return the money if they know that it's going back to the SBA. I need Citibank to return the money to the SBA so I can resolve this problem directly with the SBA. 
2. Problem : One of my bank accounts that got locked/frozen is a joint account that I have with my wife. In XX/XX/XXXX, my wife was expecting the IRS Stimulus check ( she thought it was going to be mailed ). Unfortunately, on XX/XX/XXXX the IRS deposited the stimulus check to the bank account they had on file and Citibank accepted the money and they didn't reject the transaction. My wife has called several times to the bank asking for the money and the only response she gets is " We don't know what's going to happen, please call back again ''. This money has been hijacked by Citibank for over a month and they have no intention to either return the money to the IRS nor to my wife.

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 2023-11-29
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I had applied for Public Service Loan Forgiveness the end of last year. I got notified that my loans had been forgiven and less than a month later I got an email saying that there was a vendor error and my loans were not forgiven. I had started my payments in XX/XX/XXXX and continued XXXX when the pandemic hit. I had made extra money toward the principal. I always checked the box. 
When the new servicer took over none of my old records were on the new site. I was always checking the site to see if anything was different or changed. I checked and finally something that looked like records from the old servicer was there and I copied them. They are not in my new account. I went to my Credit Union and got my records for the last 7 years because I paid my loans online. I was not able to reconcile with my bank statements with the so called old loan servicer. For me this is a red flag. I can get a loan from my credit union and be able to pay this off. Many of my friends who asked about this said don't it just yet. My interest rate will be much lower then what I am paying now. I only borrowed {$36000.00} and after XXXX  years of payments and I still owe {$22000.00} for me this is a huge problem. The math for me doesn't work. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
I saw a hard inquiry on my credit report back in XXXX made by XXXX on my XXXX and Experian credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, Experian, and XXXX. I've recently removed the freeze from Experian, XXXX, and XXXX. The changes haven't been made and it's been 5 months.

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 2020-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit cash in the amount of {$500.00} in check slot by mistake while depositing money in my checking account at Citizen Bank XXXX XXXX ATM. Reported the incident and called for claim also talked to Citizen Bank Branch employee at that time. Citizen Bank claims department gave me a claim number and a temporary credit of {$500.00}, while they investigate and wait bank to report ATM overage. After a month and a half bank can not track my money and took the temporary credit of {$500.00} back from my checking account. I have receipt and prove that I made the deposit and cash did not came back from ATM when I put them in check slot by mistake instead of cash slot while depositing. Attached you will find receipt for that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.

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 2020-03-25
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. EXPERIAN : XXXX   XXXX/XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX-XXXX  XXXX # XXXX {$2500.00} XXXX/XXXX # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX  XXXX  # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00}

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 2023-11-15
Company: MOHELA
State: CA
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 now been on the phone with Mohela 4 times and have sent XXXX online messages to Mohela since XXXX to try to remedy this situation, with no response, conflicting information, and an incorrect payment calculation. 

On XX/XX/23, I spoke with someone who processed my standard payment plan request for {$160.00} and assured me that being on the standard plan was best for me for the few months I need to qualify for XXXX. After XXXX months, Mohela then incorrectly calculated my payment amount to be {$270.00}. 

On XX/XX/23, I spoke with someone again, who assured me that Mohela had made an incorrect calculation and re-processed my application for a standard repayment plan. This person also assured me that the standard plan would qualify me for XXXX because I only have a few months left to go. I was told, and have documentation from Mohela in messages that my payment amount would be {$160.00}. This has been processing since XXXX with no change. 

I spoke with someone today ( XX/XX/23 ) and requested to be placed on emergency or administrative forbearance ( XXXX interest accrual, qualifying for XXXX ) until Mohela can calculate my payment correctly. I was told that she could only place me on a XXXX XXXX, which does not qualify for XXXX. She told me that the standard plan doesn't qualify me for XXXX and tried to pressure me into applying for an XXXX  plan. I told her I was told by XXXX other Mohela representatives and supervisors that the standard plan would qualify me for XXXX since I only have a few months left to go. She told me that I was given wrong information. I told her I have no idea who to trust, since Mohela gave me conflicting information, which literally occurs every time I call. 

I insist that my account be placed on ADMINISTRATIVE FORBEARANCE with XXXX interest accrual and which will qualify me for these months where I would have been paying if Mohela had only calculated my payment amount correctly in XXXX, when I originally applied for the standard plan. Please assist me ASAP and place my account on ADMINISTRATIVE FORBEARANCE until my payment amount is correct. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: MD
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 XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ) 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Back in XX/XX/2019 I contacted Care Credit regarding them reporting to the credit bureau that I was late for XX/XX/2019. I was never late. I talk to a female customer representative and was told they would contact the credit bureau and report as not late. Its been years and still no change. Please help me

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 2022-04-10
Company: EQUIFAX, INC.
State: CA
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  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One has two similar credit cards. The Capital One Venture Card and the Capital One VentureOne card. There are a few differences including number of points awarded and the Venture Card has an annual fee. I have the Capital One VentureOne card. On Capital One 's website I saw an advertisement that they would waive the Global Entry or TSA fee if using their card to pay for the application fee. It was a recent offering, XX/XX/2018 and I've had the card a few years prior. I called and confirmed I would be eligible, so I signed up, it was {$100.00} application fee. They stated it would take 1-2 billing cycles to be reimbursed. After a month I called again, confirmed it would be reimbursed and to wait another month. After month 2 it still wasn't reimbursed I called again and was informed this was only eligible for the Venture Card, not the VentureOne card I had. I feel this is deceptive to have two cards with very similar names but different features and I was told it would be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.

Company response to consumer: Closed with non-monetary relief