BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I believe my escrow analysis was incorrectly calculated in XXXX of XXXX, causing an escrow shortage of {$220.00} for XXXX thus increasing my monthly payment from {$1200.00} to {$1200.00}. 

In XXXX of XXXX, I was issued an overage refund of {$140.00}, and my monthly payment was lowered from {$1200.00} to {$1200.00}. The total difference in payment for the year was {$320.00}. The overage refund and the lowered payment amount together equal {$470.00}. Had the XXXX analysis been done correctly, there would not be a projected deficit for XXXX. 

Additionally, my property tax went down from {$1600.00} to {$1500.00} and therefore is not the source of the projected deficit. However, my mortgage company paid this tax late and therefore incurred a 10 % fee. I do not believe I should be penalized for this negligence. My insurance premium only increased by {$120.00}.

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 2024-02-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/23, Citibank reduced the credit limit on my simplicity credit card from {$10000.00} to {$6600.00}, a reduction of {$3300.00}. This action was to be done immediately and no reason was given. I have had this card for almost 6 years and have never had a late payment. This unexplainable action that this bank has taken will have a serious impact on both my credit score and the financial well being of both me and my family. On XXXX, I called the bank and made a request to their rep. to have them reconsider this action. I received word today that my request was declined. I would like Citibank to reinstate my {$10000.00} credit limit and issue me an apology for this insensitive customer situation.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
To whom it may concern, I am writing to file a complaint against Wells Fargo Bank for not handling my dispute properly. I have tried to resolve this issue with the bank, but they have declined my dispute and closed the case without providing a satisfactory explanation.

Here are the details of my dispute : - Dispute Number : XXXX - Date Posted : XX/XX/2023 - Merchant Name : XXXX - Amount of Transaction : XXXX - Card Number : XXXX - Status : Closed - Dispute Declined I initiated this dispute on XX/XX/2023, after I noticed a fraudulent charge on my credit card statement from XXXX, a merchant that I have never used or authorized. I contacted Wells Fargo Bank immediately and reported the unauthorized transaction. They told me that they would investigate the matter and get back to me within XXXX  days. 

However, on XX/XX/2023, I received a letter from Wells Fargo Bank stating that they have declined my dispute and closed the case. They claimed that they have verified the transaction with the merchant and that it was valid and authorized by me. They did not provide any evidence or documentation to support their claim. They also did not explain how they verified the transaction or why they ignored my request for a chargeback.

I am very disappointed and frustrated by Wells Fargo Bank 's handling of my dispute. They have failed to protect me from fraud and have violated my rights as a consumer. They have also damaged my credit score and caused me financial hardship.

I request that Wells Fargo Bank reopen my dispute and reverse the fraudulent charge of XXXX from my credit card account. I also request that they provide me with a written apology and a detailed explanation of how they reached their decision. I expect Wells Fargo Bank to comply with the Fair Credit Billing Act and the CFPB 's rules and regulations regarding dispute resolution.

I have attached copies of my credit card statement, the dispute letter, and the decline letter from Wells Fargo Bank for your reference. Please review my complaint and take appropriate action to ensure that Wells Fargo Bank corrects their mistake and compensates me for the harm they have caused me.

Thank you for your attention and assistance. 

Sincerely, 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 2024-02-05
Company: CITIBANK, N.A.
State: VA
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:
CITIBANK reported an inquiry on my consumer report without fully disclosing to me that such report would be made upon our initial communication. They also failed to provide me the option to OPT out of sharing my 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 2024-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wells fargo cashwise credit for used during identiy theft to make two purchases. I called wells fargo to file fraud dispute they only took down one item, reissued me new credit card while transfered the balance from the 1 fraud charge to my new card. I called in again wells fargo this time took care of it. However now i found out my credit report is showing deratogry reporting because wells fargo charged off the card that had fraudulent charges and left the balance on there.

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I have a business bank account with Bank of America and Ive deposited money into that account from business revenue so far in the amount of about {$14000.00} and on XX/XX/2023 i was no longer able to access online banking. When i called i was told that the phone number that i had on file could not be used to gain access to my account and that they could not help me further without goin to a branch and then on XX/XX/2023 my business debit card stopped working and i called again and the representative told me they couldnt send a code to my phone to verify me so therefore they could not help me and that i needed to go to a branch, they would not tell me why my debit card was not working or why my online banking was not accessible they also told me i should receive a letter regarding my account and a reference code, Ive NEVER received such letters regarding my account besides a bank statement. 
this is absurd and i went to a Bank of America branch with my id credit card and social and was told that they could not help me either and that i had to speak to someone on the phone. So as you can see there giving me the run around i need to access my account to run my business smoothly and effectively this is completely unacceptable for Bank of America at the very least i should receive a letter outlining the status of my account!!!

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 2024-01-02
Company: MOHELA
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:
On XX/XX/XXXX I received an email stating that my loans were in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX with no payment due and that my payments would resume in XXXX XXXXThe website showed that payments were due so I made payments from XXXX to XXXX. The website did show a XXXX amount due for XXXX but without an explanation. I made the payment in case the XXXX was a mistake and assumed that if it werent a payment wouldnt be required in XXXX. I later learned that sincw I paid more than 25 days before the billing statement none of these payments counts as paying towards my next due dates. So I made 3 payments when I didnt need to. Im on maternity leave currently so making extra payments is not something I would have chosen to do. Its ridiculous that I was only informed of the forbearance once it ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I applied for the SAVE student loan repayment plan. 

On XX/XX/XXXX, I received a notification that I was approved for the SAVE plan, and repayment would begin in XX/XX/XXXX. My loans are currently in forbearance and I have contacted MOHELA at least twice to request they remove the forbearance so I can pay immediately. Because of the amount of loans I have, the interest that accumulates daily is significant. 

Since XX/XX/XXXX, MOHELA has failed to remove my loans from forbearance or allowed me to begin to repay my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had been waiting for my loans to transfer from my previous provider XXXX to MOHELA, and on XX/XX/XXXX at XXXXXXXX XXXX received a welcome email from MOHELA with information regarding an on-boarding process, providing me with my account number to begin my online footprint with them as my new loan servicer. An hour later at XXXX XXXX that same day, I received an email again from MOHELA telling me I was PAST DUE on my account. I hadn't even formed a username and password with them, as I hadn't opened my email that morning until XXXXXXXX XXXX... I had made my payments for the previous months with XXXX so there shouldn't have been any outstanding balances, and MOHELA didn't have any records showing what the 'PAST DUE " balances were from as I have no history with them. When I tried to call, their phone lines and website had red flag notices declaring 'long wait times for calls due to unexpected call-volume ' so after several hours, I was not able to get through. XX/XX/2024 was the first payment due date with MOHELA and their offices were closed due to the holiday. I was not able to get in contact with them due to their high caller volume, and I want to remain in good standing with my payments, so I felt I had no choice but to pay the balance which included the suspicious 'PAST DUE " amount. I still have not been able to reach MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the save plan. Last month XX/XX/XXXX my payment was XXXX. In XX/XX/XXXX is saying I owe over XXXX for my monthly payment. But Im on the save plan and it not being applied this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My XXXX XXXX XXXX  account was closed due to a false report from the XXXX driver company. XXXXXXXX XXXX XXXX has been holding my funds hostage. They claimed they would send a check for my remaining funds but never have. Its been over a week at this point. My XXXX XXXX XXXX  account is linked to my XXXX driver account. This is where my earnings go directly. 

Context : XXXX shut down my XXXX driver account within 24 hrs of me renting through the XXXX XXXXXXXX XXXX. This program allows XXXX drivers to rent a XXXX through the XXXX XXXX XXXX. The company has stipulations. You must complete at least 30 trips within the week, and you get charged on a weekly bases. As I mentioned earlier, XXXX shut off access to my XXXX driver account within 24 hrs of me receiving the rental that I paid. They said that they were doing a safety investigation. This so called investigation happened to last a week and be over the day after I had to return the rental. My XXXX account is now active. XXXX scammed me as well as other people. So in a nutshell, XXXX conspired to shut down my account, use their power to shut down my bank account, then XXXX fraudulently charged, then fraudulently overcharged me. I have evidence for everything. 


To explain the XXXX charges : *To clarify the following explains the fraudulent charges charged to my XXXXXXXX XXXX account after it was closed for no reason and in a discriminatory fashion. I called the bank and found out that my remains balance wont be sent to me ( as they said ) because XXXX overdrafted my account after it was closed. 

These are fraudulent charges. XXXX did not give me the XXXX at XXXX percent full, it wasn't even half of that. 
They charged me for an extra day, when I returned it the same day. The employee that handed me the keys told me it doesnt matter what time its returned that day because the car was given to me hours after my reservation time. He is recorded saying this. 
The cleaning fee is fraudulent. I took pictures of the interior and exterior. 
The XXXX rental itself is fraudulent. XXXX shut down my XXXX account within 24 hrs of my XXXX XXXX XXXX  ( 1 week reservation ). 
Ive added phot evidence of the charges

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 2024-01-02
Company: MOHELA
State: GA
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:
Mohela has not been sending me statement and also have delayed the processing of my student loan forgiveness. It has been over 12 weeks since the forms were sent back and showing that my company was approved and still I have not recieved any updates or any type of information.

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 2023-12-31
Company: MOHELA
State: OH
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 was notified in XX/XX/2022 that my XXXX XXXX loans would be forgiven for borrowers defense. This has not been reflected on my MOHELA account. I have reached out multiple times and they say they have been forgiven but they still show in the balance that I owe and are calculated in my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
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:
So my federal loans have been tranferred over from great lakes services to Nelnet.com now. Since it has been transferred over ive had problem after problem with my account. I original spoke with a representative in XXXX to set up my s.a.v.e. plan application from my idr repayment plan. So the lady told me it was all set and should expect confirmation of my application and gave me my payment monthly. My payments were to resume in XXXX so i tried to get it done way before. A month goes by and still havent heard anything. So i tried calling every day and could never get through to speake to someone. I wrote several emails on there contact us portion on there website and have yet to even get a response. I sat on the line for 3 hrs on hold several times and still couldnt get through. i cant sit waiting that long since i have to work. So my wife called and sat on hold for 4 hours. Well speaking to them she told me my application was incomplete and waiting on me.So the first contact was incorrect on my account. I do another application on federalstudentaid.gov and correctly did it again. Another month goes by and hear nothing. So again i called several times and emailed several times and finally get ahold of someone. She said at this time i would take a month to process my application. So my first payment was incorrect and had to pay that amount. She also confirmed my account was just waiting on processing. This was in augus. So currently i get emails still stating my account is still in processing and now its XXXX. Then out of nowhere they put my account in forebearennce and i never agreed to that, im trying to pay my account and specifically told them this. I just received another email talking about my application is not done yet. I dont know what to do. This is very frustrating and want my payment set to what it should be. I dont know who else to contact on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-02
Company: MOHELA
State: NY
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 am in the Public Service Loan Forgiveness ( PSLF ) program, and according to them, I still have five years or more of repayments under the program. However, I have worked in the nonprofit/public sector for 10 years. I don't believe the payments they credit for PSLF are accurate. I should be much closer to forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: PA
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 contacted XXXX, XXXX, and experian over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization 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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2023-12-05
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 disputed these late payments XXXX different times with XXXX and Experian. XXXX is the only one reporting it correctly. XXXX and Experian just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX bureau report in each letter- SHOWING THE ERRORS DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX 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