BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based on my credit report the account was falsely opened in 2021 at XXXX. The only interaction that I had with this club was a free trial. To acquire a free trial I had to provide first name last name and Identification and sign for the trial, this was explained to me by the front desk person at the time. 

I never agreed, or signed any binding contract beyond a trial basis. 

The company Allied is now collecting for a debt that I simply was not aware i ever acquired and says that it is for XXXX XXXX month term. total amount owed was XXXX I have never made and payments towards this balance because I was under the impression it was only a trail. I had decided that the XXXX wasn't for me after XXXX day trial and i didn't want to sign up for a membership. 

This account was opened on false pretenses of a trial and was a bait and switch situation. I was mislead in the trail and now they are repotting to my credit

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 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Friday, XX/XX/year>, I was shopping at XXXX when I tried to pay for my item, I was surprised to find that my Bank of America credit card ( BOACC ) was declined. I tried the second time with no success. So, I paid for the items that I purchased with a different card. The next day, I received a prompt from my Apple Pay saying that I needed to remove the BOACC from its platform. I thought a mistake had occurred. I called BOACC customer service on Saturday XX/XX/year>. They did not give me any reason for the issue except that I needed to call the collection department on Monday. On Monday XX/XX/year>, I called BOACC and was transferred to the collection department and asked why my account in the collection is even though I had never missed a payment and my balance of BOACC was {$100.00} out of a credit limit of {$3000.00} by which I paid it right away thinking that was the issue even though no payment was due. The customer service employee did not know what the issue was and told me that my account was and is in good standing she did not know why my account was closed except that I needed to talk to the Risk department and then she said if anybody told you about the closure of the account, I replied that no one from BOACC reached out to me. She apologized and told me that she would file a complaint on my behalf. The following day, I received an email thanking me for the payment of {$100.00}. As of this filing, no one called me about the closure of my account. 
FYI : CC account # 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 2024-01-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I noticed a large check ( {$27000.00} ) had cleared that day through my bank, XXXX XXXX XXXX. When I clicked on the check, I did not recognize the recipient or the address. Then I noticed the font was changed. I immediately realized this check was changed and forged and deposited into a Wells Fargo bank in Pennsylvania. No account number was written on the back of the check. 
Realizing this check was deposited less than 24 hours prior, I emailed my Personal Business Banker at XXXX and called their Fraud Department to report this. The Fraud Department told me I needed to complete several pages of paperwork, which they will mail to me. 
I completed it all and immediately faxed it back to XXXX. I felt that valuable time was lost. I feel this would have been quickly settled had they only contacted Wells Fargo the day the check cleared in my account. At least they could have warned Wells Fargo that an inquiry was being made. 
As of today, Wells Fargo has not answered the 2 attempts that XXXX made in contacting them regarding this claim. 
My company is too small to just let {$27000.00} get stolen when I check my account on a daily basis for fraud and theft. 
I filed a complaint on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo contacted XXXX and asked for information the same information that XXXX originally sent to Well Fargo. XXXX responded to this request on XX/XX/XXXX and sent them everything they requested. 
Wells Fargo followed up with 2 letters to me. These letters contain a phone number that does not work and the name XXXX XXXX When I get through to Wells Fargo on another phone number, no one has any idea who this XXXX XXXX is and needs a last name. 
Please help. How can a bank be so corrupt? 
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 2024-01-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Spent {$3000.00} at Macy 's for Platinum status and confirmed it. Now says Gold status. Should be Platinum status especially after I confirmed.

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 2024-01-01
Company: MOHELA
State: IN
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 filed for an adjustment for my student loan one month before repayment. I turned in all the forms and filled out the necessary information with the customer service agent. I was told I qualified for a XXXX dollar a month payment and the first bill came out stating that I owed over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: MOHELA
State: ME
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 applied for the SAVE repayment plan for my federal student loans through my loan servicing company Mohela. I received documentation that I qualified for my repayment plan to switch from my current IDR to the SAVE plan. Mohela provided the documents to show that my payments would change drop from {$310.00} to {$87.00} starting XX/XX/XXXX. I made my first payment for my IDR for the {$310.00} amount in XX/XX/XXXX and then had my loans placed in administrative forbearance for the month of XXXX per Mohela. I received correspondence on XX/XX/XXXX that my next payment is due on XXXX for the amount of {$310.00}. I am a XXXX and am already having a hard enough time getting through paying my bills, keeping a roof over my head and food on the table that is why I applied for the SAVE plan to drop my payments. It is frustrating not being able to get through to a anyone at Mohela to inquire about the delay in payment plan change when I have all of the paper documentation on file to show that I went through the proper steps to get approved for my loan payment to be changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My student loans have been in repayment for more than 20 years which should qualify for immediate forgiveness according to the one-time adjustment to fix IDR loan forgiveness.

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 2024-01-01
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:
Submitted loan forgiveness information but payment history seem in accurate. Worked for XXXX XXXX since 2015 and amount of qualified payments and about owed is off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Upon applying for the IDR ( SAVE ) plan, I was informed that my estimated payment will be somewhere around {$250.00} a month give or take. Some time towards the end of XXXX almost XXXX I logged into my Mohela account t and saw my total due amount jump to $ XXXX. I decided to submit a new IDR application just incase there was an issue. I then contacted Mohela to find out why my amount increased almost by 100 % and they were unable to explain why. They did however place my account into forbearance while they reviewed my recently submitted application to adjust the amount. This took place in XX/XX/2023. Somehow after resubmitting the application my new balance due post forbearance has gone up to $ XXXX. I have included my application submitted XX/XX/2023 for reference along with a screenshot of my current balance as of XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: SC
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:
The company will not connect with fasfa to process my save repayment program and lower my payment to what I can afford/what the fasfa website said I could get it to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
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:
On XX/XX/XXXX, I received a letter from MOHELA stating that my monthly payment amount for SAVE is scheduled to expire after my XX/XX/XXXX, payment date. Today, on their website, my IDR renewal date is listed as XX/XX/XXXX, which is before my XX/XX/XXXX payment will be made. I do not understand the contradictory information. I would like an explanation from MOHELA and them to correct any records, their website, and correspondence to reflect the correct IDR expiration date. Additionally, given the severe issues with customer service, I would like to know by what date I will need to apply for my IDR to guarantee no lapse in my reduced SAVE payment. The original letter as well as what I currently see on the website are both attached as documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Transaction ID Number XXXX. Invoice number XXXX Stock number XXXX Invoice date XXXX Item title XXXX  XXXX XXXX Performance XXXX Selling price {$14000.00} Transfer payment Citibank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX account holder XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Account number XXXX Wiring-routings number XXXX Viewed auto on website. Completed contact form to view photos. Email sent with link to photos. Decided to purchase and sent payment from my bank to their bank by wire transfer. I believed the purchase was valid because it was going to a well known bank, Citibank. I made several contacts to XXXX XXXX .snd XXXX XXXX XXXX I was advised shipment was on the way and then delayed. After I did not receive additional contact, I contacted my bank and try to stop the wire transfer. Based on the disclaimer funds would be refunded if unsatisfied. My bank XXXX was unsuccessful in retrieving the payment from Citibank and Citibank never replied to the request, either to the bank, XXXX or myself. I submitted a claim with the FBI under form ICS. At this point, I dont know what my additional options are. I understand that it may be difficult or even impossible to retrieve my money, but I am willing to take every avenue necessary to do so.

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 2024-01-30
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Provide proof that the 15 USC 1691 c ; 15 USC 1642 ; USC 1681M and USC 1692K doesn't apply to them. They denied me of my credit and violated my rights. I stated my credit worthiness and the chose to discriminate me. I have sent 3 notice of their law breaking via certified mail. I explained their actions qualify as an adverse action on a consumer and it is unlawful for any creditor to discriminate against an applicant with any aspect to their credit, withholding access to my securities is securities fraud.

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: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX I was contacted by Wells Fargo advisors who offered me Accidental disability protection. In XXXX I was called again to upgrade my existing policy which I did, adding on Accident protector bonus. Between XXXX I never received any documentation that these policies were no in effect. In XXXX my son XXXX XXXX in an auto accident, and I reached out to Wells Fargo to access the benefits under the Accident protector plan and was advised that I did not have such a coverage as Wells Fargo did not offer this type of insurance. I explained to the representative that I had purchased this years ago and it was a rider on my policy, they again advised that no such services were available. On XX/XX/XXXX, I received the attached letters from Wells Fargo. I called the customer service department and was advised that they did an audit and found that many customers were sold these policies, and they are no longer available. I am reporting them as I am exhausted with getting ripped off by them. They owe me more than a measly {$2000.00}. they owe me more like {$100000.00} for a payout from when my son passed on this policy, they do not have any information for the broker on these policies they only provided the name of XXXX XXXX XXXX and XXXX XXXX XXXX, Please assist.

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 2024-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting XXXX XXXX and Experian ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.

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 2024-02-01
Company: CORELOGIC INC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2024-01-30
Company: Experian Information Solutions Inc.
State: MO
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:
Still working on this one too, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are stalling AS REQUESTED FORWARDED TO F.T.C.AND D.O.J

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 2024-01-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, I received four emails from XXXX. The last email asked me to set the security freeze on my credit report ; therefore, I went to its website and found out already on the security freeze. I believe this security freeze was on XXXX month ago. I am not sure why this branch did not know at all, and tried to send me the never-end changing credit report after and after whenever I complained. I seriously believe who ever sent me these emails must be suspicious of credit report data breech, at least, mine. I request the investigation.

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 2024-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX  XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail " review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, " She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated 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 2024-01-26
Company: Atlanticus Services Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I talked to several reps they told me what my balance was I paid XXXX. I received a delinquent notice on my credit report. I talked to the supervisor he said he dont know they sent my account to delinquent cause I wasnt late. I live in a low income housing I am due for an upgrade but they go off of credit score. Cause of this issue I might be homeless. You 7 days to write to the credit bureaus to remove this delinquent or I willing be filing a lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief