BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: MOHELA
State: MI
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:
Mohela student loans, SAVE program.

I am approved for the SAVE program and set up my autopay account with Mohela successfully. My date to start repayment on the student loans is XX/XX/XXXX and it appeared everything was all set to begin payments. 

On XXXX XXXX XXXX XXXX XXXX  Mohela sent me an email/message that I did not see until the morning of Saturday XX/XX/XXXX. It stated that my account had been placed on administrative forbearance. 

I did not request or consent to this forbearance. I have no idea why this happened. Mohela offices are closed and will not be open until regular business hours while I am at work Monday XX/XX/XXXX, the same day my payment is due. 

This is very confusing, distressing and inconvenient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to do everything right to prepare for loan payments resuming but was given almost no notice of this forbearance. Only one business day between notification of forbearance and when payment was due. This will likely result in additional interest accruing, for which I have not consented and seemingly have no way to rectify or get clarification from Mohela.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting 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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a credit card with XXXX XXXX ( card issued by Comenity ) since XX/XX/2021. I have used the card several times. I log onto my credit card accounts weekly to pay off any balances that may exist. I have not received any statements from Comenity listing my purchases nor payments. When I called their customer service, they stated that I am not entitled to a statement, nor do they generate a statement if the account balance is zero at the time a statement is due to be generate even if there has been activity on the account. It is my understanding that a bank is required to issue statements if an account has activity regardless if there is a zero balance at the time the statements are due to be generated. I would like Comenity to supply me with statements for the months that my account has documented activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: M&T BANK CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I no longer have access to transaction details on my account nor am I able to see the escrow balance. I was told that it was due to me being in an active bankruptcy. 

My mortgage payments are up to date and bankruptcy should have no bearing on my ability to see what is going on with my account. There have been numerous occasions where my payments were not applied appropriately. I am currently waiting on money to be moved to my escrow account that was paid to M & T on XX/XX/2019 ( {$1200.00} was for my mortgage payment and {$2100.00} was for my escrow account ). I have called 3 times to get this taken care of. The amount of {$2100.00} was a refund from a previous home owners insurance company. I was able to catch this because for several months I had access to online detailed account information. The money was placed in a suspense account when I clearly specified online where the money should go ( there are fields for principal, late fees, escrow, etc. that allow you to enter the dollar amount to apply ).

My escrow account is currently negative because of this. This also affects my monthly payment when the time comes for the escrow analysis. With a negative balance, my mortgage payments will definitely increase.

Trying to call in to make a payment is a joke. It may take 2 days just to reach someone. It appears that because I filed bankruptcy, M & T wants to make it harder so that I get behind, when I was never behind to begin with. My reason for filing bankruptcy had nothing to do with my mortgage or inability to pay.

Not being able to see detailed account information at any time is a problem. I should not have to wait 30 days for a statement in order to catch any errors they may have made. If my payments were applied appropriately each month I would not be as concerned, but, they have.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This notice is to officially notify your company of fraudulent accounts on my consumer report. I do not have a bankruptcy on file with the bankruptcy court. 


Delete the following in pursuant of : 15 USC 1681c-2. Block of information resulting from identity theft.

15 USC 1681a ( 2 ) - Prohibits the consumer reporting agency to that should be excluded that contains transactions from my report. 

Account Name and Account Number : 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 2021-03-18
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 have submitted several disputes regarding the inaccurate reporting by Transunion on my XXXX XXXX/XXXX. The last CFPB Complaint, Transunion responded that the imformation disputed was not reporting on my credit report. Transunion have violated the FCRA sections 1681i, 1681e ( b ) and 623 by not doing a independent investigation and continually reporting this inaccurate account on my credit report. Again these are the inaccuracies that Transunion verified as accurate and I'm providing proof that my claim is valid. Please review Documents : Doc 1 shows my Transunion credit report and this inaccurate account. 
Doc 2 show my payment history, more specifically, I made my last payment on XX/XX/XXXX XXXX on this account. Therefore, Transunion is misreporting the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in my payment history/rating. This reporting is highly damaging and inaccurate, so how can Transunion verify this account over and over again as accurate??? Doc 3 shows and proves that I reached out to the creditor and that fasley stated that this account is reporting accurately. Doc 4 shows a court document that proves the date closed on this account is on XX/XX/XXXX, not XX/XX/XXXX as Transunion is reporting and verified. Doc 5 shows that Transunion verified this account as accurate even though it's not from my previous dispute. Doc 6 show how my Transunion FICO XXXX score is significantly lower than XXXX and XXXX. How is the fair??

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 2021-03-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage refinance on XX/XX/XXXX in the amount of {$350000.00}. The banker emailed on XX/XX/XXXX and said the loan was approved. The closing process was set for a TBD date in XXXX. On XX/XX/XXXX, a mortgage sales rep emails us and states they are reviewing the file for final approval submission and the lender will need us to continue to provide mortgage statements and pay-stubs until XXXX closing date. On XX/XX/XXXX, we signed papers with notary for closing and settled closing costs. Less XXXX minutes after closing, the notary returns to our residence and states that he has been informed not to file the documents due to an error on the lender or title side. 

The lender never provided a clear explanation regarding the error and stated closing would be rescheduled. I second application was not submitted but the approval process started all over as personal credit bureau had expired and the lender starting recollecting current mortgage statements and pay-stub information. On XX/XX/XXXX, Lender stated that file would be resubmitted to underwriting for an updated approval and their legal team would need to redraw documents. Lender stated a closing date before XX/XX/XXXX. 

On XX/XX/XXXX, lender emailed and informed they were waiting on recert of value and should be able to close within a week or two. 

0n XX/XX/XXXX, we emailed lender for update since we had not received any updated communication from the lender. Lender replied on XX/XX/XXXX and requested updated pay-stubs and bank statements and stated closing was expected the first week of XX/XX/XXXX. The requested information was provided on XX/XX/XXXX. 

The lender sent final closing disclosure and stated closing would be on XX/XX/XXXX. We did not receive any emails, phone calls or texts from the lender or title company regarding closing appointment on XX/XX/XXXX. The title company contacted us about closing on XX/XX/XXXX. Due to continued failure of communication and mortgage services, we considered the lender to be in default and emailed the lender on XX/XX/XXXX regarding failure to close. Lender did not address the issues and attempted to move forward with closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, Here is what happened to me. On XX/XX/2020 Paypal closed my account and will not release my funds. They have been holding my money ever since. My balance is {$310.00} I have called emailed many times and never get a answer why they won`t release my money. I have spent many hours on hold or waiting for a call back that never happens. I can`t believe that a company like Paypal can get away with stealing people`s money. I was a customer of Paypal for many years. I had know idea Paypal could hold peoples cash anytime they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2023-07-19
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 Synchrony Bank used phone number XXXX to call me regarding a past-due bill. At this time, I explained the them my situation and told them that I would make a payment as soon as I was able but that at that time I was not able to make a payment. I asked them to stop calling me during that call. On XX/XX/2023 they called me again regarding this debt. 

In addition, I was under the impression that they could not call me to speak with me about a particular debt for seven days after having a conversation about it.

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 2022-12-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian and XXXX keeps stating information is verified as accurate. I want Experian and XXXX to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify 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 explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, 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 checked my credit today and saw someone tried to use my personal information to obtain fraudulent credit. There are 4 fraudulent inquires with XXXX ON XX/XX/XXXX, XXXX XXXX XXXX ON XX/XX/XXXX, XXXX XXXX ON XX/XX/XXXX, XXXX ON 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Several transactions were made by phone transfer from my Wells Fargo credit card to my checking account, fraudulently. Because the money went to my checking account and was subsequently withdrawn fraudulently, fees and interest were not assumed by the bank. I paid the credit card, for fear of being reported to credit agencies, and made the appropriate fraud reports in a timely manner. Multiple calls and letters, including a call with XXXX XXXX on the line, have failed to result in crediting my account. Several calls result in departments transferring my call because its not the right department at least 7 times per call. I have spent many hours on the phone with Wells Fargo, without success.

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 2022-04-15
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, Placed a collection notice on my credit for a {$440.00} bill that was paid through XXXX 5 1/2 years ago. They provided no proof and made no attempt to notify me of this false debt. Their actions cost me a refinance on my mortgage of 1.5 %, which they now owe me {$480.00} a month in damages until I can reapply for a refinance. 

I will give them 2 business days to respond with my first payment before seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JTM Capital Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by Mrs. XXXX from offices of XXXX XXXX XXXX stating they work with JTM CAPITAL MANAGEMENT LLC based out of XXXX XXXX- I also looked up that company and they have lawsuits against them for trying to collect off of zombie debt- stating they were part of a prelegal division stating a " Representative '' placed my file in her office. Regarding a pending civil complaint for XXXX County. If I didn't call her back it would be marked as a direct refusal. Mrs. XXXX explained this is for a debt from a company called XXXX. I told her this debt is not on my credit report and I have not received a letter from this company. She went on to say they want to file a lawsuit, sue me and will put a lien against my vehicle ( even naming the company of where I have my auto loan ) over {$1800.00}?!? How can they do this? This debt is not on my credit report? As far as I'm concerned- Stale debt is not collectible. Can you please help? " Collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages. But threatening to take such actions before they have sued you and won a judgment may be illegal. Even threatening to sue you to collect a debt may be illegal if the collector has no intention of doing so. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have an XXXX card for XXXX and XXXX XXXX XXXX. I first got the card in 2020 and have been using it until recently with no problem. I have now tried to use the card twice at 2 different BofA locations at the ATM. Each time I used it, after I enter my pin, the machine cancels my transaction. I was able to go to a teller the first time and they pulled it off. The second time put me in a financial bind because it was after bank hours. My card is not expired or frozen and Im using the correct pin.

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 2021-03-18
Company: Square Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Received email marketing for a PPP loan through XXXX on XX/XX/2021. Hit link in email, took me to the PPP Loan page where it asked for my personal information. I submitted application and I was approved. I do not recall receiving a disclosure of terms or conditions to review and accept online. 

On XX/XX/2021, re-payment for the loan was already happening, XXXX was deducting payments from transactions made through my square business account. This prompted me to call XXXX when I saw loan payments reducing my transaction amounts. 

I was notified by the XXXX customer service that the loan was not a PPP loan, but a line of credit that would be paid via XXXX transactions. 

When I was told this was not a PPP loan, I asked to cancel the loan and return the money, because it was something I did not want nor what I thought I was getting. 

I was told it was too late to cancel the loan because 2 business days had past and I would be charged the {$370.00} dollar origination fee and could either make regular payments to repay the loan or pay the entire amount, but I would still be charged the {$370.00}. origination fee. 

I do not feel this is fair as a consumer and I also feel this false advertising and " Bait and switch '' marketing technique and practice violates the UDAAP " Unfair Deceptive or Abusive Acts and Practices '' protections that I am guaranteed as a consumer.

Company response to consumer: Closed with explanation