BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} AMEX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: TX
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:
They had missed up my SAVE plan and PSLF payment by excluding a loan from repayment. I contacted them in writing to make the correction to reflect all loans in repayment, and get the correct amount for payment that was due XX/XX/2023. 

That was on XX/XX/2023 then again XX/XX/2023 then again XX/XX/2023. There were no correspondence or any information. All they did was put my account in forbearance. 

I sent two more written requests on XX/XX/2023 and XX/XX/2023. I also filed a formal compliant with the Federal Student Aid as appropriate. To date, nothing has been done to correct the issues. 

I am happy to make payments and be in Repayment under my SAVE plan and ensure my payment count toward PSLF is credited/honored.

Currently this is not the case as MOHELA accepted a payment and did not credit towards PSLF or give me any reason why i am in forbearance. 

It also says my Forbearance will be for 1095 days. If they are forcing forbearance then I would like to confirm that every month will be credited for PSLF with or without payment since they are illegally forcing my account into forbearance and not explaining why, affecting my PSLF count and making it impossible for me to have hope on my student loans being forgiven one day. I am only XXXX payments from meeting my PSLF requirements ( really it is down to XXXX - because I have XXXX " ineligible payments '' due to forbearances that was not credited as per FEDERAL LAW ) I also have requested this to be corrected in writing as well, with no action to date.

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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of earlier today on XX/XX/21, I went to my appointment early, and was seen almost an hour after my appointment time, only to learn that my account was wrongfully closed without reason, while I had pending direct deposits. They refused to help me, they would not let me get the remaining balance of my paycheck. I was told to wait and was not given a specific time frame on when I can receive my payment in the form of a check. I am XXXX and recently moved to a new state. My family and I have barely gotten completely settled in. I made updates online to my account, because I did not have the chance to update everything in person. It was literally a emergency move. My rent was due on the XXXX, and now, Late paying my rent, electric and water, as well as other essential bills for my household. A representative explained to me that a temporary lock was on the account until I can verify who I am in person, to notify them of my recent changes. I was told twice by customer service and again to client protection services. Client protection services assured me that nothing had gone wrong with my account, no red flags, no fraudulent activities, and that they only wanted me to verify my identity in person, to lift temporary lock off of my account. I was not told to make an appointment the first time. I was only told after walking in prior to this afternoon.I did everything as advised to do, and found out almost an hour after arriving that they closed my account. They had the call on speaker. This was embarrassing and I did nothing wrong to deserve this. One of the women said something to another woman that was assisting me with my account, saying oh its one of those cases. I sat shocked and in disbelief of what was happening, as tears of anger, feeling drained filled my eyes. Even when I can get this resolved, I never again wish to bank with this branch again. This was a horrible repulsive experience. I was not given a fair chance and I feel I was prejudged.

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 2019-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Previous problems depositing funds at only ATM next city over. XXXX min drive each way. USAA NEVER covers gas for not having their equipment working.

On XX/XX/19 went to XXXX XXXX Va ATM. Only one in area. Wasn't accepting ANY deposit. I had CASH. I'm trying to cover funds and there is NO WAY for us to put in funds in our account that is cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: IL
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 is adding interest to my balance that should be waived every month per the SAVE repayment plan AND they are reporting a incorrect balance to my credit report. I am on the SAVE repayment plan. I paid my XXXX payment on time. Prior to the end of the COVID forbearance my total balance was {$250000.00} after I paid my payment due for XX/XX/XXXX, interest was added to my balance and my balance increased to {$250000.00}. Per the SAVE plan interest should NOT be added to my balance. I requested that Mohela remove the interest that was added to my balance in XXXX and reply to me explaining why this mistake happened and when they will correct it and they did not correct it. Per the Studentaid.gov website the SAVE Plan eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. This means that if you make your monthly payment, your loan balance wont grow due to unpaid interest that accrued since your last payment. Mohela is not complying with the repayment plan requirements. I have attached proof of my balance prior to the end of the Covid payment pause, proof that I paid the XX/XX/XXXX payment in full on XX/XX/XXXX on the SAVE repayment plan and proof that Mohela reports a increased balance of {$250000.00} after the payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We paid in advance for a large purchase ( > {$20000.00} ) on XX/XX/2021 that had been charged to our Bank of America ( BofA ) credit card. We wanted to be sure that it was paid on time without any late fees, interest etc. BofA then made an automatic payment of another > {$20000.00} on the due date of XX/XX/XXXX. This caused our checking account to be over drawn by about {$16000.00} and required us to move funds from an interest bearing account so we wouldn't have continuing overdraft charges. When we called Bank of America on XX/XX/XXXX we were informed that we should have stopped the automatic payment because BoA withdraws whatever the due amount was on the statement regardless of any manual payments. [ This is an unethical practice that could be easily fixed by changing the computer code that does the payment processing. ] Anyway we requested that the overpayment be refunded. We were told that it would be done but that it would take 2-5 business days. We called BofA again on XX/XX/XXXX since the 5 business days certainly had passed and were reassured that the refund was being processed. We were told we should receive the money in a day or two. On the XXXX of of XXXX we went to a local BofA office to talk to a person face-to-face. She called someone who was supposed to call us back the same day to confirm it but never did. We then called the BofA XXXX number again. The person we talked to there asked for our bank account information and sounded as if she was going to initiate a refund immediately. She then told us that a complaint was being processed so she couldn't put in another action. I then requested to speak to a supervisor ( XXXX ) who GUARANTEED me that the money would be in our account on XX/XX/XXXX which she claimed was the 10th business day since we had requested the refund. A check of the records on XX/XX/XXXX showed no change on the Bank of America account and no refund in our checking account. We went back to the local office on XX/XX/XXXX. The associate we had spoken to on the XXXX again called the XXXX number. She was told that the refund had just been approved on XX/XX/XXXX and the refund should take 24 -48 hours. We took that to mean the money would be deposited in our account sometime over the weekend. Today XX/XX/XXXX, the 1st business day after XXXX, we still have no refund and were told by the local BofA manager that it could take 2-3 more business days to send the refund. 
How long can a bank legally withhold overpayment funds? Is this a scheme to keep our money as long as possible to use it for investments? Our patience has obviously worn thin. Even IF and when we get our $ 20,000+ back, our recommendation to friends and family will be to AVOID Bank of America 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 2023-10-11
Company: MOHELA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan with Mohela has been forgiven. It still shows up on my credit report months later. I have disputed it with XXXX but they have not cleared it. When I contact Mohela via phone or online, they can not even view my account anymore to assist with this since there is no balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have hired XXXX XXXX XXXX to handle this debt since they are not willing to work within my budget and expect me to pay what a mortgage payment would be each month. Lately, they have called family members, including my sister-in-law, and harassed them to get me to call them back. They are not working with XXXX XXXX XXXX and I'm expecting them to sue. XXXX has lawyers ready to fight for me and reduce what I owe. I've paid them XXXX 's of thousands to them over the years and my balance is not going down. I'm tired of their deceptive practices and harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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 this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed that I owe a company named LVNV Funding. I requested verification of the debt, I requested information regarding a possible charge off of the alleged debt and I requested to know if the collector was licensed in the State of North Carolina. I didn't get an actual verification of said information, just a printout of a statement that I dispute is mine and/or the amount I allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: IL
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through 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 2021-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company Toyota MTR Im not sure who that is since they told me it was Toyota financial well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XX/XX/XXXX. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This might be a duplicate, as I already have a complaint opened for XXXX  ( XXXX ), but it appears to be Lakeview Loan Servicing that is the one who is causing the problem. I have been corresponding via email with a representative at XXXX who keeps saying she has asked someone at Lakeview to call me, but they either just use a robocall to call me or have called when I was unavailable and they refuse to give me a time that they will call. The rep has also asked them to email me but they have yet to do so after nearly a week. Below is the original complaint I submitted on XX/XX/XXXX. 

Around XX/XX/XXXX, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.

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 2023-08-12
Company: TD BANK US HOLDING COMPANY
State: TN
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 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX  on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE/CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late/closed, charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late/closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation