BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: MOHELA
State: VA
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:
Hello, I am concerned as to when my recertification date for my IDR plan is. It is to my understanding that the recertification anniversaries have been pushed back for a year into XXXX if it is within 6 months of the restart of the payment pause ( so any time before XX/XX/XXXX ). 

According to my loan details, I do not see a recertification date but a date that my loans will revert back to the standard repayment plan : XX/XX/XXXX. XXXX this be reverted to XXXX by now? 

I am trying to rectify this since I am in the PSLF and I am trying to continue to minimize the amount my monthly payments.

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: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I worked full-time ( >40 hours/week ) as a XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Because I was enrolled in graduate school in the evenings, I was placed in " in school XXXX '' and these two years are therefore not eligible for PSLF even though I was working full-time for a XXXX XXXX XXXX. I have requested that my loan be changed to " administrative forebearance '' so that I may qualify for PSLF for the months that I was working full-time as a XXXX. I do not believe that being enrolled in school at night should exclude individuals from qualifying for PSLF when they were working full-time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I called XXXX XXXX at the following number : XXXX. It was not XXXX XXXX but a scammer. The person told me I have fraud on my account in the form of XXXX gift cards and a XXXX XXXX. They told me to go on my bank at Chase and place a gift card in the amount of {$400.00}. They said to go on XXXX and do the same. I downloaded a XXXX XXXX XXXX too. Chase called me about XXXX hours later on the {$400.00} scam. They blocked the transaction. Once I got home from work Chase bank shut me down from having access to my accounts. I called and they added an extra layer of protection on the bank accounts. They told me to change the password on my XXXX and to read the identity theft information they provided. I began to work on freezing on the XXXX credit bureaus and reporting fraud to the government. I shut down XXXX XXXX, XXXX and XXXX. I changed passwords on bank accounts and added XXXX protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Car was at auto shop getting an estimate to get repaired. The mechanic talked to XXXX at Exter finance company. He ( mechanic, ) stated the transmission and motor car was damaged which caused the repairs to be expensive therefore XXXX at Exter said that they will write it off per say the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank repeatedly places holds on my deposits for excessive amounts of time. This has only started happening in the last few months. I have had repeated paper check deposits from my employer into this account for the last XXXX  years ( approximately ) with perfect account standings and never a bad check. Most of these holds ( dated below ) have been placed for over XXXX  days unless I call to have them released. I understand a hold for a reasonable amount of time, but these are interfering with the way I do business and are unacceptable. 

XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit It seems obvious to me that Chase is likely doing this to thousands of customers daily and earning massive gains on other people 's money. All three of these deposits have been large amounts ( as normal )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently applied for an Exxon credit card and was approved, but their system said I needed to call in to verify some things. I was unable to get through their automated system to even talk to a person to see what the issue was. After a few days I received an email stating I was approved and that my card was on the way. After receiving the card, I tried to activate it and once again it said I need to call in. I called in and once again was unable to get to the right person to find out what the issue was. Then their rep hung up on me. I did not curse or do anything unprofessional. Called back in and had to navigate the phone tree again to finally talk to a person. This person said they would have someone call me back at a later time, after saying they couldn't verify my account with a phone number. I asked to speak to a supervisor and told them I would hold to speak to a supervisor. They told me a supervisor would call me back, but I declined and said I would stay on the phone as I didn't want to have to go back through the phone tree again. At this point I just wanted to cancel/ close the account. They kept trying to say a company as large as Citi didn't have a supervisor available and I find that hard to believe. They kept trying to get me off the phone without resolving any issue. Finally after 45 minutes I was able to get a supervisor on the phone and I was placed on hold again. After being on hold for 10 more minutes I was hung up on again without any resolution.

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 2023-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XX/XX/23 I went to a Bank of America ATM in XXXXXXXX XXXX and attempted to withdrawal {$300.00}. The atm started processing and made a weird noise like it was stuck. The atm screen then clearly stated that an unexpected error occurred and the transaction could it be processed. It stated the transaction was reversed and the funds are immediately back in my account. I then went to their other ATM and attempted to withdrawal the {$300.00} and the atm stated I didnt have enough funds. So I called the same day to file a claim with BofA, they stated they would file the claim and funds would be credited back. I have called everyday since and it is not XX/XX/23 ( Friday ) and my funds are still not in my account. I called BofA again this morning and I was told it will be 10 business days til I get my funds back. First of all I understand if this is the claims process, but the ATM clearly stated that my transaction was reversed and my funds were credited back immediately. So it doesnt abide by the normal claim timeframe. I even told them I needed these funds to purchase XXXX XXXX dinner items for my family, they assured me this was escalated and would be taken care of and it hasnt. I also worked for BofA for XXXX years and know that the ATM can be balanced to prove its over, they can pull the camera footage to show the funds were not given, they can pull the ATM records to show the malfunction and the message that was provided on the screen. I am going to seek legal counsel and pursue it because the message the ATM gave was false. And they are refusing to return funds.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: MOHELA
State: TX
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 received a bill from Mohela on XX/XX/XXXX at XXXX XXXX. for around five times more than what my loan payment is supposed to be under my income-based plan ( SAVE ). The due date was XX/XX/XXXX -- less than a month from the date of the bill. I am XXXX and have no income, so the payment is based on my husband 's, the XXXX XXXX XXXX XXXX XXXX. But it is currently at nearly 25 % of his pay, even though I am enrolled in the SAVE plan. I had enrolled in the SAVE plan the first day it became available and received confirmation the application had been received XX/XX/XXXX. I have had two concussions and have auditory processing issues and must use the secure messaging system to contact Mohela since I can't use the phone. Starting XX/XX/XXXX, I have sent five messages to Mohela asking them to correct the billing error. The website indicates there will be a response from them within three business days after sending a message. None of my messages have received any kind of response. I filed a complaint with Mohela on XX/XX/XXXX and with the XXXX on XX/XX/XXXX and have not yet received any response except a request through the XXXX to fill out a privacy release, which I did. My payment is now past due because I could not pay the erroneously high amount, which was due only because of the loan provider 's error. Mohela 's refusal to provide accessibility in communication is discriminatory and ableist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, XXXX, and Experian. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.

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: Experian Information Solutions Inc.
State: NY
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the FCRA As a federally protected consumer, I am now opting out or any and all authorization I the consumer may have given XXXX XXXX XXXX written, unwritten, verbal, and non verbal per 15 USC 6802 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 given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

effective immediately and indefinitely

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requesting that it will be removed from my credit report as soon as possible.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I applied for credit. The creditor could not access my Transunion credit report because of a freeze/lock. I went to the TU website to unfreeze/unlock my credit report. I was unable to access my account. I called the telephone number provided by TU. I was told there was a permanent fraud lock on my account. I was never notified of this issue and I was told it could not be fixed. I requested to speak to a supervisor and was transferred to XXXX XXXX and was not able to understand the call taker. She told me to call back untill I got someone I could understand.

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 2023-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 I contacted WFB Fraud Department reporting XXXX ( XXXX ) fraudulent charges on my credit card ending in XXXX in the amounts of {$430.00} and {$240.00} from XXXX on XX/XX/XXXX. 
WFB initiated claim # XXXX and cancelled my credit card ending in XXXX WFB subsequently issued credits to my credit card my in the amounts of {$430.00} and {$240.00}. 

XX/XX/2023 WFB reversed the credits to my credit card in the amounts of {$430.00} and {$240.00} I contacted WFB Fraud Department and the representative offered to contact XXXX while I was on the line, indicating that he would have to drop off once an XXXX representative was on the line, and instructed me to call back with XXXX response. 
The WFB representative successfully connected with an XXXX representative and subsequently dropped off the call. 
Upon researching my account, I was informed by the XXXX representative that the charges in the amount of {$430.00} and {$240.00} were not made on my account and followed up with an email ( Attachment A ) stating as such. 

XX/XX/2023 I received a letter from WFB Claims and Recovery dated XX/XX/XXXX stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment B ) I contacted WFB Fraud Department and spoke with a representative that informed me that I could mail a response to the following address : Attn : XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment C ) XX/XX/2023 I received a letter from WFB Claims and XXXX dated XX/XX/2023 stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment D ) XX/XX/2023 I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment D ) XX/XX/2023 WFB charged my credit card in the amount of {$98.00} on the disputed balance of {$670.00}.

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 monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IA
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:
The following items are incorrect and unauthorized : 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 2024-01-03
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text from my bank 's fraud department, asking me to verify 2 identical transactions. I let them know they were not my transactions. They stated an investigation would be done and my money refunded. The 2 charges were not refunded and they posted to my account. The 2 transactions were {$91.00} for a XXXX purchase. Totaling {$180.00}. Those transactions caused me to be late on other financial obligations. They canceled my debit card.

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