BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: MOHELA
State: VA
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 submitted a Public Service Loan Forgiveness application under the temporary waiver in XX/XX/XXXX, a year and a half ago, after consolidating my loans as instructed. It indicated a little more than 10 years of service that had already happened with the Consumer Financial Protection Bureau, during which time I made monthly payments on my loans ( Ive actually worked XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was told it might be easier to just submit a certification from them ). My servicer after the consolidation was XXXX XXXX XXXX, and the loan was transferred to MOHELA in XXXX XXXXXXXX. I have heard back and they are counting my qualifying payments going forward, but not giving me credit for the 10 years that I already put in, which they should under the waiver. When I contact them, I get different responses, but the main one is that they need to have the Dept. of Ed. ( XXXX  ) update them with the correct crediting, but that never happens. I think my application has fallen through the cracks or an incorrect determination was made, and nobody is looking at it now. I can get no information about the current status of any review, which I don't think is happening, though some MOHELA agents have said so. 

I was originally sent, in the normal time frame, a letter saying that I didnt qualify, but I was told to ignore that because the Dept. of Ed. would then review and give me credit, which is what the MOHELA agents also tell me. I have contacted my servicer ( s ) about 10 or 15 times, and Ive submitted a complaint to the Dept. of Ed. twice ( still waiting to hear back from the second ). The response from my first complaint was that I should contact my servicer and they dont respond unless theres a case, which I took to mean I had to sue them (!? ). The general loan forbearance is about to end, and I may soon have to start making payments on a loan that should have been forgiven long ago. I have paid close to {$40000.00} over the years, and I would like to avoid having to continue to pay my student loans into retirement in a couple years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a personal PayPal account in XXXX which I used to make small purchases through XXXX for things like gifts for friends. Somehow when I created the account, my address was accidentally listed in XXXX, even though my street and city were clearly U.S. based XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As far as Ive been able to tell, there is no such street address in XXXX. PayPal never raised with me that this problem existed nor that it needed to be corrected, until my account was unexpectedly closed. There is over {$2000.00} in the account which I can not access and PayPal never gave me any opportunity to prove myself. I do not live in XXXX, Ive never lived in XXXX, I dont speak XXXX, nor do I use PayPal for business. Yet here I am with $ XXXX trapped in an account I can not access. The account was permanently limited/aka closed after I used PayPal during the process of selling my wedding dress. I decided to sell my wedding dress using XXXX to raise some extra money, and XXXX requires sellers to pay buyers through PayPal. My dress was a bit expensive, which is why the resale transaction was for ~ {$2000.00}. I of course had no idea that I had any issues with PayPal so I shipped the dress the morning I was paid ( XX/XX/XXXX ) and uploaded a tracking number to PayPal. The dress was delivered on ( XX/XX/XXXX ). On XX/XX/XXXX, I went on vacation so I did not realize my account had been permanently limited until going through my personal to-dos on my way home. Im now out my wedding dress ( something very important to me and something I now sorely regret ever trying to sell ) and {$2000.00}! PayPal also collected a 5.3 % fee on this transaction, in addition to locking up my funds. Ive informed PayPal I can provide whatever they need to verify my identity, my country of residence and the legitimacy of my transaction, but theyve told me there is nothing their team can do. Theyve advised me to call their XXXX team, but I do not speak XXXX and the number I called said it can not be reached. PayPal makes money by exchanging and storing money, and here, theyve taken my money ( on which Im sure theyre earning interest ), charged me a pretty hefty fee, and made me spend ages on the phone with people who ( 1 ) have treated me like Im doing criminal business and ( 2 ) allege they can do nothing to help me, all without giving me any way of proving myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: MOHELA
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is withholding my transcripts, both official and unofficial transcripts, due to unpaid balance caused by returned loans/grant money when i was fleeing the state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have my loans taken over by Mohela from XXXX. Suddenly my interest amount is way lower and the principal has gone through the roof. 
Many months ago I had asked them to send me all my payments, etc. They said they had to file for a request. This took several months and my calling more than once. Once the information was mailed it was very much incomplete. 
You can not get normal help on the phone with Mohela anymore. 
This can not be legal ; suddenly increasing my principle and decreasing interest. Please let me know what to do. I have no idea how to seek help. 
I hope I filled this form correctly... I wasn't sure which section to select.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is showing inaccurate information on my report. I filed several disputes and they have not followed in a reasonable amount of time.

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unacceptable wire transfer processes at Bank of America and XXXX XXXX Dear Sir/Madam , I hope to get some help regarding a wire transfer issue related to the sale/purchase of a property. This was a sale by my daughter and her husband to my son and his wife. I am a CA-licensed broker who represented both in the escrow. I also loaned money to my son and his wife to purchase the house. 
On XX/XX/XXXX, I wired {$340000.00} ( part of my loan ) from my Bank of America trust account to my daughter 's trust account at XXXX XXXX ( same day wire ). The wire routing number was wrong ( ACH number instead of the wire routing number ). I realized this two days after I wired the amount and notified my BoA wiring department. They claimed that the money was with XXXX XXXX already and XXXX XXXX claimed they didn't have it. After two days, XXXX XXXX admitted that the wire was held up in their wire regulatory department. The regulatory process supposedly was for the BoA and XXXX XXXX wire departments to message each other, each transaction stated to be a 48 business hour transaction. No closure timeline was given! 
After 7-10 days, I asked for alternatives to get the money back in my account. My son-in-law visited his XXXX XXXX branch manager multiple times and I visited my BoA branch manager multiple times. They recommended I recall the wire, and I did. A few days later, XXXX XXXX agreed to deposit the wire into my daughter 's account if I cancelled the recall notice. I did. Unfortunately, this recall got caught in the wire departments ' messaging process! At my son-in-law 's request, XXXX XXXX eventually returned the wire amount to BoA on XXXX ( last Friday ). Now, BoA says it could take 3-5 business days to be in my account! It is 5 days later and BoA is now telling me it could take another 2 days! 
A same day wire has been held for 21 days ( and counting ) with no reasonable process to correct the routing number issue. Meanwhile, I had to borrow from my home equity line ( at an interest rate of over 7 % ) to close the escrow. 
Can you help me understand how you can hold these banks responsible for this deliberate withholding of consumer funds with an inexplicable process? 
Regards, 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 monetary relief
Consumer complaint received 2020-09-15
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice of debt from PennCredit on XX/XX/XXXX. I did not receive a notice of right to dispute. The customer service rep said that a notice was mailed to me on XX/XX/XXXX to an address I haven't lived at since XX/XX/XXXX. She said a second notice was mailed on XX/XX/XXXX. I NEVER received the notice. I received the request for payment on XX/XX/XXXX and the placed this collection on my credit report without notification of my right to dispute. I am happy to pay the collection as it was an energy bill for an apartment I used to live in, but I am not happy with the fact that they placed this on my credit without notifying me of my right to dispute. MY address isn't a secret. In fact, it's public record. I want this removed from my credit report. I do not believe they followed the fair debt collection act practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX  Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
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:
Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$11000.00} and has several inaccuracies that is not FCRA Compliant. I have sent several letters disputing the inaccuracies and Equifax just mails the letter saying this account has been verified with no proof or any paper work. How can they verify if Equifax 's credit report has no account number listed and the account is reporting CO every month when a charge of is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax was on XXXX XXXX XXXX and they responded the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MO
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:
I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I secured an auto loan ( XXXX ) in XX/XX/XXXX from legacy Suntrust Bank. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) statements and transaction history prior to XX/XX/XXXX are not available via online banking. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements. I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I did indicate in a follow up email that Truist had added the total interest paid in XXXX to the XX/XX/XXXX statement so that issue was no longer time sensitive. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I had to file an extension on our business taxes due to this and one other Truist issue. Although Truist provided a total interest amount for XXXX I still want copies of the statements from XXXX given the number of issues we have experienced post merger. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years ) and I can not even access information for XXXX and XXXX this year. I have filed another complaint with # XXXX for reference. Thank you

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 2020-02-04
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, Marcus by Goldman Sachs opened an account illegally online without my permission. The company used my name, birthdate, social security and opened an online Goldman Sachs savings account. I called the company on XX/XX/2020 and spoke to four different  people regarding the fraudulent account. The names of the people XXXX, XXXX, XXXX and a specialist in the Fraud Department. I told them that a false, online savings account was opened in my name and I was upset that they would do this without actually doing some investigative work regarding the person being a robot, a thief or an actual, qualifying person. I was told that it doesn't take any money to open up an account and that is how most banks do their banking. I mentioned that all three credit monitoring companies have been frozen for several years and I also have XXXX  which when checked tells the banks of any identify theft problems regarding the account. After talking to several representatives of Marcus by Goldman Sachs, they said they will investigate and close the account. I am very wary that this account may not be closed and that is why I am submitting this complaint. What bothers me about banks letting accounts to be opened, they send a statement that you will be held responsible for this account, even though you did not open it. It takes the online person minutes to open and it takes me days or weeks to close these accounts. The rules of the system must change and the banks seem to be indifferent regarding this and do whatever they want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lived in XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. I moved out prior to my roommate. I was told by the property manager, XXXX, to leave the keys with XXXX since she was still living there. When I left the apartment, it was in perfect condition. A few months later, I receive an email from XXXX XXXX stating my roommate and I owe {$2.00}. XXXX for move out damages and signing a new lease. I never signed a new lease nor caused damages when I moved out. I called the company and the new property manager said there was proof attached to that email. All that was attached was the old lease which expired in XX/XX/XXXX so according to the leases terms I was on a month to month. There were NO MOVE OUT PICTURES or a lease attached. They sent my name to Columbia Debt Recovery who harassed me with phone calls and threatened to destroy my credit when I said there was no merit to this debt. He even asked where i can find my roommate. I filed a complaint with the BBB and nothing happened. The new property manager has not been helpful and I filled a dispute through XXXX. After I filed the complaint they changed the amount to XXXX. XXXX instead of XXXX. I would like my name removed from this debt and it taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
EASTERN ACCOUNT SYSTEM HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXI HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX  XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH 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 2021-05-25
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ICG Morgage took my 2 properties mortgage applications in XXXX. Since then they are non-responsive upon my numerous attempts to follow-up on ordering the appraisals and progressing my loans to closing. As I get closer to closing date which is after 30+days from the time of submitting all required documents to ICG, they informed me that the appraisal on 1st property is not even ordered and there is no way to close. I got extension from seller by discussing adjusting seller credit. ICG still continued non responsiveness and negligence on my loans regardless of my numerous attempts to followup this with multiple parties at ICG. Finally I realized in XXXX that they didn't even order my appraisal for which I submitted the application signed with credit card details on XX/XX/XXXX and as I follow up there is absolutely no update on the status. Finally my seller asked for termination as we have no idea when the appraisals will be ordered. Thus I terminated with a loss of my hard earned Earnest money and option fee. I found another lender for the 2nd property application due to this experience and asked ICG to transfer the assignment of the appraisal ordered. Upon numerous requests from me and my new lender, ICG fails to transfer the assignment. Their responses are rude, reckless and negligent. I'm really concerned that due to this bad lender behaviour which keeps repeating, I will be loosing Earnest money on the 2nd property as well. I have all documentation of my communication with ICG and their responses and lack of responses to my multiple follow ups since the beginning. I also have the loan originator at ICG who is familiar with the issue and admitted that this is bad and causing me pain and loss. I am prepared to loose my money for the 2nd time soon. But I don't want this to happen to other customers at ICG because there is no way a consumer would anticipate this outright bad lender behavior. In this competitive market, time is everything and ICG behavior is worse than unacceptable. Please help me solve this issue. Appreciate a quick response as time is of essence for my 2nd loan with estimated extended closing date for XX/XX/XXXX on the contract. Thank you very much in advance for your help.

Company response to consumer: Closed with explanation