BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
In XX/XX/2023, I signed up for the SAVE plan on the Department of Education website. The XXXX  indicated that it could take up to 15 days for MOHELA to process my application, which seemed reasonable. However, by XX/XX/XXXX, there was no indication that my application had been processed. All three of my remaining student loans indicated that they were on the " PAYE '' repayment plan. 
I took to the website ( I'm a millennial, I avoid talking to people on the phone at all costs ) to try to send a message to check the status of my repayment plan application. However, the website would not allow me to send a message if the topic was on repayment plans -- the website specifically states " Sorry, messaging is not available for this topic. Please choose a different topic, call us or mail us correspondence. '' At this point I was frustrated. I struggle with XXXX, XXXX, and XXXX. Forcing student-debtors to communicate explicitly through phone call prevents people with disabilities from being able to ask questions and receive quick and convenient responses ( not that messages receive quick, convenient, or ANY response, as I will later learn ). 
So I wrote a script for myself and settled in for what I assumed would be a pretty long wait, and I was not wrong. I was on the phone for well over an hour before I even heard a human voice. But what I did get to hear every XXXX seconds was an automated voice reminding me that my issue could be handled online, and wouldn't it be better to do that than wait on hold? " Yes, '' I wanted to shout, " that would be lovely! But I can't, because you won't let me! '' When I finally got through to someone, they told me that they JUST received my application, they were still processing it, and they would get back to me... eventually. But probably in the next two weeks! Well, harried after spending an hour listening to what must be the most annoying soundtrack on earth, I made sure that MOHELA knew of my displeasure, and I wrote them a complaint on XXXX XX/XX/2023. I have attached a copy here. 
Obviously they never got back to me. My three student loans each still reflect that they are on the PAYE plan. I have received no correspondence or acknowledgement from MOHELA that they denied OR approved my application. I am exhausted, and frustrated. I have XXXX, and unfortunately it's the survivable kind. So any sort of forbearance offered by MOHELA is just going to put me into more debt ( because interest continues to accrue and is amortized into the balance of the loan ). The best hope I have to ever get out from under these loans is the SAVE plan, and everything MOHELA has done so far indicates that they have no intention of honoring the application. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: REGIONS FINANCIAL CORPORATION
State: SC
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:
Contact was made XX/XX/XXXX via phone and mail contacting Region banking regarding the improper reporting and incorrect amount of my mortgage loan.

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 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have called Amex gift card services numerous times regarding all of the declined transactions. I have tried to use the card at XXXX, XXXX, XXXX, XXXX and also in person at a hair salon- all have been declined. I called customer service and all they say is that all these are blocked merchants. They said to use the card in person. However, it doesn't work anywhere. I asked them to send me a new card and they said it can't be done unless I get declined. OK ... It's declined EVERWHERE, so why is Amex holding these funds? They are scamming people and blocking major retailers, therefore making the card useless. DO NOT PURCHASE AMERICAN EXPRESS GIFT CARDS. AMEX BLOCKS EVERY TRANSACTION AND THEY KEEP THESE FUNDS. HOW IS THIS LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX : I sold my property at XXXX XXXX XXXX XXXX, XXXX TX. XXXX. Consequently loan number ending in XXXX was paid off to Truist Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. However, Truist Bank did not record the payoff until XX/XX/XXXX. 

XX/XX/XXXX : I changed the mailing address on Truist Bank 's website from the property in Texas to my new mailing address. 

On XX/XX/XXXX : I alerted Truist Bank that I still had not received my escrow funds. I was told by a bank representative that the escrow check was mailed to the mailing address for the property that I sold. I alerted the representative to the bank 's error, I was told that the check would be reissued. 

On XX/XX/XXXX : I called Truist Bank to advise them that I still have not received the funds. The bank representatives are refusing to send my escrow funds to me in a timely manner as per their obligations according to law to return the money within 20 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Wednesday XX/XX/2023 my wife contacted Fifth Third bank concerning closing an account, upon paying the overdraft balance of {$98.00} on a checking account that we were told could not overdraft we wanted to close the account as we do not bank with them often anymore. Upon paying off the remaining balance in the account we were informed that even though the account was closed if a party attempted to charge the account again that they would automatically reopen the account and we would be charged an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
Every company dealing with a consumer has agreed they would follow certain regulations and if they chose not to I have proper authorities to inform.

I am writing to bring to your attention a concerning matter regarding U.S. Department of Education/Aidvantage ( Official Servicer Of Federal Student Aid ) and its potential violation of The Family Educational Rights and Privacy Act ( FERPA ), a federal law established in 1974 to safeguard the privacy of student education records.

It has come to my attention that there may be instances where Aidvantage has not adhered to the provisions outlined in FERPA, which clearly stipulates the protection of student education records in both public and private educational institutions.

Specifically, I am concerned about violation of 20 U.S. Code 1232g. This federal law mandates that educational agencies, including Aidvantage, must provide parents with an opportunity to challenge inaccurate or inappropriate information in their child 's education records. It has come to my attention that Aidvantage may not be meeting this requirement. 

Furthermore, the law specifies that no funds under any applicable program shall be made available to a State educational agency that, knowingly or not, denies or effectively prevents parents from inspecting and reviewing the education records of their children. This includes records maintained by the State educational agency on students who are or have been in attendance at any school under the jurisdiction of an educational agency or institution covered by this law. This action not only raises serious privacy concerns but also undermines the fundamental rights granted to students and their families under FERPA.

As outlined in 20 USC 1232g ( b ), FERPA applies to a broad spectrum of educational institutions, including post-secondary schools. Therefore, any violation of FERPA by Aidvantage should be thoroughly investigated and addressed promptly.

I kindly request that you initiate an investigation into this matter to determine the extent of the alleged FERPA violation by Aidvantage. Additionally, I urge you to take appropriate corrective actions to ensure that such breaches do not recur in the future.

Thank you for your attention to this matter, and I trust that you will handle this complaint with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To date, the Infiniti Automobile Leasing Company has incorrectly reported to the credit bureaus that I owe XXXX dollars as a balance on a leased vehicle and has further reported that this matter is current. 

On XX/XX/3017, I XXXX XXXX XXXX XXXX entered into a contract to purchase a XXXX  motor vehicle from the car dealership of XXXX of XXXX XXXX XXXX XXXX, XXXX, California. At that time, the sales personnel agreed to pay the remaining balance owed on a vehicle that I was leasing from Infiniti of XXXX XXXX, XXXX. 
On XX/XX/, I signed an agreement to purchase the new vehicle from Infiniti of XXXX XXXX, contingent on the dealership paying the remaining six-month balance on the vehicle that I was leasing from Infiniti of XXXX XXXX XXXX XXXX. 

As a result of my agreement with Infiniti of XXXX XXXX, XXXX, I purchased a new vehicle from Infiniti of XXXX XXXX, XXXX and this dealership took possession of my leased vehicle, and the dealership began making payments on my leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I'm having a problem with one of my banks, called BECU. Someone managed to have access to my data and accessed my account, they deposited checks in my name but with another living address, then they took out the money they deposited plus mine, now I have an overdraft in my account and those of the bank do not manage to do anything. And they say it's my fault. 

In addition to depositing checks that were not mine, they also made different transfers through XXXX, and the only thing the bank says is that it was me and they rejected my claim.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ACCOUNT WAS A LEASED INFINITI XXXX XXXX THROUGH NISSAN- INFINITI LT ACCOUT XXXX I OPEN THIS ACCOUNT XX/XX/XXXX THIS ACCOUN T WAS INCLUDED THROUGH A XXXX  XXXX BANKRUPTCY AND IT WAS XXXX XX/XX/XXXX THIS IS CLOSED WITH A {$0.00} BALANCE AND THE INFORMATION NEEDS TO REFLEX THAT AND NEEDS TO SHOW CLOSED ACCOUNT I HAVE NOTIFY NISSAN- INFINITI LT THIS MATTER SEVERAL TIMES IN XXXX DISPUTE AND OVER THE PHONE BUT THE REP NAME XXXX STATED TO ME THE ACCOUNT IS STILL OPEN AND BY FEDERAL LAW XXXX  XXXX YOU NEED TO CLOSED THIS ACCOUNT OR I WILL TAKE LEGAL ACTION AGAINST YOUR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XX/XX/year>, I filed a complaint regarding an additional credit line opened under my US Bank account profile, from which the bank deducted payments. Unaware that this credit card was distinct from the one I originally applied for, I continued making payments until the amount changed. Upon contacting the bank, I discovered that the credit in question was not opened by me. 

Learning of the fraudulent activity and realizing I had unwittingly made payments on this unauthorized card, I contacted the bank, requesting confirmation of whether the card was legitimately opened by me. The bank failed to address my concern, prompting me to cease all payments to the card. 

Following my request for the bank to provide evidence, they began reporting the account as delinquent on my credit report. Despite reaching out to XXXX and alerting them to the situation, the bank chose to close the account and report late payments on my credit history. After XXXX contacted the bank, they opted to charge off the account, dismissing my request for evidence. 

In the complaint submitted in XXXX, the bank once again disregarded my request for proof of my involvement in opening the credit card. Instead, they asserted that the card was sent to my address and used in my area of residence, deeming it a valid card. 

Attached is evidence of an address on my credit report linked to the credit card in question. The bank confirmed that this was the address used to open the account in XX/XX/year> when challenged on the legitimacy of the account. I am once again urging the bank to thoroughly review its records, rectify the presence of this fraudulent credit card on my report, and expunge it. Additionally, I insist the bank provide the requested evidence should they continue to assert the account 's legitimate opening by me. 

The attached address is not my address below on my credit report which is now deleted by XXXX is not mine : XXXX XXXX # XXXX XXXX XXXX, CA XXXX and evidently shows the account was opened with the wrong address and shows the cards were sent to an address other than mine.

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 2023-11-28
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt from IQ Data International Inc, on my credit score for quite some time, from an XXXXXXXX XXXX XXXX   that I never resided in. I called the apartment complex, and they have no record of me living there or no records of me on file. I have filed multiple disputes through the credit bureau, and the debt has stayed on my credit score for an outstanding amount of money. I have XXXX the company contact information since it has been over 7 years this debt has been on my credit score and has not fallen off. I requested verification of the debt with XXXX who I am assuming is management for this debt company, who told me he has sent me mail about the debt that I never received. I also asked for an itemized list and debt validation on the amount of the debt and he responded with " We're not interested in sending you that information ''. So I told him I wouldn't waste any more of his time since he will not give me the information I requested on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: HI
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:
When i try to apply for business loan, i was told by my agent that i have so much inquiry on my account. I then pull out my credit report and I Noticed some Unauthorized Inquiries on my report that don't have my permissions or not aware of of. 
Here is the list of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I already file this complain with FTC and the report is attached in here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 15 USC 6802 A. may not disclose personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
My issue is with XXXX, XXXX, and Experian with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, XXXX, and Experian report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

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