BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: MOHELA
State: OH
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:
My loan went into repayment in XXXX with Mohela, and i tried to set up autopay. It says it was was successful, but them I kept getting emails that said your financial institution has returned a payment and my principal wasnt going down. I tried to do manual payments but they also failed. Finally, one of my payments posted on XX/XX/2023, but no money was taken from my savings or checking account. When i tried to call customer service on XX/XX/XXXX, I was placed on a long hold, hung up on, and not called back. My problem was not solved, and I still dont know how to pay my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MOHELA
State: UT
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:
My XXXX loans were put on the SAVE plan a few months ago, meaning my monthly payment would be {$0.00}. However, I had to consolidate my loans. I did that through studentaid.gov, applied for loan consolidation and made sure that I specified that it needed to have the SAVE plan applied to it after the consolidation was done. However, when the consolidation went through, MOHELA completely deleted the SAVE plan from my account, disregarding my previously applied SAVE plan as well as the SAVE plan that should have been applied to my loans when the consolidation finished, resulting in me now accruing interest that I would not otherwise be accruing on the SAVE plan, as well as having a $ XXXX  monthly payment for a loan I already got the approval for reducing with the Income-Driven Repayment plan. I attempting to contact MOHELA about this issue but have received nothing but silence back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was stolen and used without my consent or knowledge. No one had permission to use my social security number band drivers license to obtain goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In took 1 quarter at XXXX XXXX. In that quarter I had a subsidized loan for {$1000.00} and an unsubsidized for {$1300.00}. 
In 2018 my wages were garnished to repay XXXX XXXX. I've spoke with them and they agree my debt is 100 % paid. 
Also in 2018 my federal tax refund was offset by XXXX Department of Education for {$2300.00}. This account is XXXX years old, over those 11 years I have also made monthly payments. I'm not 100 % certain of a total amount at this time. As my account keeps getting forwarded to new servicing agency 's. XXXX XXXX then XXXX XXXX and now Mohela. I've tried many times to resolve this issue with Mohela. I've call customer service, I've sent emails and documentation prove of my paid debts yet no one can assist me and I am still paying every month. 
According to Mohela I still owe {$920.00} for the subsidized and {$1200.00} for the unsubsidized. 
U.S. Department of Education says I have a zero balance and need to contact mohela. They will not help. 
I do not know where to go from here. Who would have know a {$2400.00} loan would cost so much and take 11 years to repay. At this rate it will never be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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:
I have recently submitted information for PSFL. In order to do so, I had to consolidate my loans. Recently, my payment counts were updated and did not reflect all of my years of service. I was informed to go to student aid.gov to ensure that all months of my loan status were reported, as that could impact my counts. Upon researching the information I discovered that several years of loan status is not reported and there are several that are reported wrong. Specifically, the years from XXXX and several month I XXXX and the entire year of XXXX are not listed. My resolution to this issue would be to have my status updated so that my payment counts can accurately updated. I would also like a printed copy of this history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Upstart Holdings, Inc.
State: CO
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:
n accordance with the Fair Credit Reporting Act this creditor, Upstart, has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " 	 also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 16668 " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: CA
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 called MOHELA regarding the false and fraudulent financial practices targeted towards my person between XX/XX/2023 to present ( XX/XX/2023 ). The notification system stated that the wait time to speak with a representative would be approximately 3 hours. I have been waiting on hold for over 3 hours to speak with a representative. 

Additionally, I notified MOHELA on XX/XX/2023 that the bill issued and notarized via U.S. Postal service contained several financial errors. Specifically, the bill continued to list my loans under the REPAY plan instead of the SAVE PLAN. Additionally, the bill did not list any interest, only the principle balance. I was verbally informed by the representative that there was approximately {$300.00} in interest associated with my account. 

It was determined in XXXX of 2023 that this information was false and fraudulent as there should be {$0.00} in interest. I requested that a corrected bill be sent to my person via U.S. Postal service. MOHELA never sent me a corrected bill via mail in XXXX of 2023. I continue to experience financial discrepancies due to MOHELA 's fraudulent business practices. 

I am still on hold to speak with a MOHELA representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been waiting for my PSLF overpayment refund since XXXX  ( almost 8 months ). Mohela 's policy is to process refund within 90 calendar days. Mohela has had payment history in their from my prior servicer ( XXXX  ) in its system since XXXX. 

Prior Consumer Protection Bureau complaint ( submitted XX/XX/XXXX  ) Complaint ID XXXX Mohela responded in their portal : " Our records indicate, that there are no pending refunds at this time. '' Prior FSA complaint ( filed XXXX  ) XXXX  Case # XXXX As recently as XXXX XXXX, XXXX  " MOHELA is missing the financial histories from XXXX. We can confirm a request has been submitted to obtain the financial histories from XXXX. Prior servicing refunds typically take 60-90 business days when MOHELA has the prior servicing records. '' This is not the case, according to their own records, Mohela has my Advantage payment history. There is currently an XXXX  refund request in progress as of XXXX XXXX, XXXX  ( reference # XXXX ). 

Furthermore, Mohela violated the California Student Loan Servicing Act by failing to process and furnish a complete loan servicer payment history ( requested XX/XX/XXXX  ). This request was canceled inexplicably. 

Mohela should expedite my XXXX  review and immediately request the U.S. Treasury Dpt. to refund the overpayment amount due ( approx. {$7100.00} based on the balance increase I saw before my loans XXXX  out ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2023-11-29
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00}

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 2023-11-28
Company: MOHELA
State: TN
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 was XXXX to a XXXX XXXX in XXXX and informed Mohela. They let my account accrue interest over this time period over my objection. I paid {$10000.00} at the end of the XXXX, a large portion of this paid the interest that accrued during the XXXX. 

I have had many problems with this company over the years and have addressed this issue to them several times. 

I again messaged them about this interest charge specifically again on XX/XX/XXXX. At that point I asked for a review of my account for the period of the XXXX and a refund of the interest paid. Since then, I have written Mohela 7 times asking for updates and have received several answers that clearly dont address the issue. The last several responses have only stated the information is being reviewed. This has now gone on without a response for over 7 months and I havent heard anything from the company in 6 weeks. 

This company goes out of its way to be unhelpful and get as much from the accounts it services as possible, even if it has to ignore the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-01-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
When I continue to report this Consumer Protection Bureau says its a duplicate. It is NOT. Its been a month and PayPal Credit, after staying on them, did report the correct balance but they won't show it as being closed account. 

XXXX will not allow me to go online and dispute it as well. Please use this letter attached and show the account as closed PayPal credit and XXXX and other bureaus!!!!! 


XXXX Credit usage 35 % Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$6400.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Highest balance {$7600.00} Monthly payment {$90.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, y

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 2024-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : MACYSCBNA Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2024-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested the information on the original debt and proof of debt ie : original contract with my signature. Amount of original debt. What products were purchased and proof that i purchased these items. Itemized list of everything owed.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 at an XXXX XXXX XXXX store in XXXX, I put my card in to this XXXX Bank ATM trying to get out {$500.00} euros ( {$560.00} ). Put my pin in as normal and was met with an error : contact your bank message. No funds came out of the machine. Called them as soon as they were open the next day to get this cleared up. A few days go by and to my disbelief, no wrongdoing is found by either company and the investigation is then constantly opened and closed probably 5 times now with the same results : XXXX Bank getting away with stealing my money through an ATM error and claiming they did nothing wrong. I have been bringing this case to their attention through email with no luck of resolution. I am still to this day furious beyond comprehension at how this crooked bank can get away with stealing my money and face no consequences. XXXX  XXXX XXXX tells me Im FDIC insured for up to $ XXXX but wont cover {$560.00} for me despite having the burden of video proof and data from the ATM that should read an error occurred on that date and did not give out the money. Something needs to be done, this is insane.

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 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  has been on my account fraudulently and i have disputed this account with XXXX for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from XXXX which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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