BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
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 have been in the Public Student Loan Forgiveness Program since XXXX  with all but ( 2 ) Federal Loans forgiven by a previous servicer in XX/XX/XXXX. The ( 2 ) remainder loans were in process of consolidation and forgiveness under the XXXX Limited PSLF Waiver Program in XX/XX/XXXX when they were transferred to Loan Servicer MOHELA. Despite over 20 attempts by phone and written correspondence in the prior 12 months to determine why MOHELA has not processed the rightful Forgiveness I earned under the Dept of Education PSLF program, no reply has been received, and no processing of forgiveness has started on my account. 

Wait times to speak with a MOHELA customer service rep often exceeded 1 hour, and when I did reach a rep I was given 7 different answers to the same question as to why my PSLF loans had not been processed for Forgiveness. The loans are still listed as debts on my consumer financial reports hurting my ability to have credit or loans extended. This is negligence BY mohela. MOHELA is now attempting to bill me for the remaining loans for collection which MOHELA will attempt to financially profit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-28
Company: KEYCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
My loan maturity date was XX/XX/2023. I sent in the final payment online banking, like I have done for XXXX years. XXXX week later, I noticed the money was not withdrawn but sitting on their end waiting to be applied. I called Key Bank and the XXXXXXXX told me it takes a while to be applied since it is a large amount. Weeks later I received a letter telling me my account is in default. I called, explained and the situation seemed to correct itself. However, the letters kept coming and no one could explain why the money was sitting on their side. I have since payed the full amount plus a hefty fee since they kept telling me that my account was in default. I am seeking my interest payments back from the company for the last XXXX months and they are not willing to provide me with an answer. Since then, they reported the account to the credit bureau as being XXXX days in default which lowered my credit score by XXXX points. They will not withdraw this notification to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
EXPERIAN did not follow procedures to validate and verify the account from XXXX XXXX XXXX. EXPERIAN did not conduct proper investigation before or after disputing this 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX Dpt Ed/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.

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 2023-10-19
Company: TekCollect Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX XXXX, XXXX XXXX, TEK COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing , LLC subservicing by XXXX is my mortgage company. Since closing on my condo with them, I have never missed a payment and made all my loan payments on time. On XX/XX/2020 I made my payment for the amount of {$1500.00} just to receive a letter a few weeks later saying that I needed to submit another payment. I checked my bank account and the money was pulled from my account. I will attach proof of it which I received from my bank that the money was withdrawn and it did not come back to my account. Since XXXX, I have made several attempts to reach out to the mortgage company and each time no one is able to help. They either hang up on me or say they will look into it. Every other day I'm being harassed by them by phone calls about my payment. 
They say they don't have the payment and I don't have it either. So someone needs to explain to me who has it. 
The only reason why I'm contacting the CFPD is because the mortgage company has not taken any action in resolving the situation. 
Please help. At this point its affecting my mental health because I have never been late on any of my payments and I have never had to deal with a situation like this.

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 2023-12-12
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Flagstar mortgage dramatically miscalculated my taxes for my escrow, basing them off of taxes paid my first year, which were not an accurate representation for a regular year of taxes paid. They did not catch this issue in a timely manner, leading to a severe deficit between what was paid for my escrow and what was actually owed. Now they have dramatically hiked my mortgage payment by over {$300.00} per month. They told me today that the way this was done is standard procedure, so apparently every person who gets a new loan from Flagstar ends up years later with a dramatic hike in their mortgage payment. I have serious issues with this company every year that Ive never experienced with other mortgage services, including them just losing a mortgage payment. But this is the issue Id like to focus on.

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 2023-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, submitted an online application for checking account and received instant approval and notification that my account funding ( transfer from another bank ) had been processed. Upon attempting to login to online banking on XX/XX/2023, I receive a notification that the account no longer exists. If this is said to be accurate, there was no notification from this company, nor any explanation for same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : 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 2020-07-05
Company: Alpine Credit, Inc
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Alpine Credit Company keeps putting different dates when Services were supposed to have been rendered so they don't fall off after 7 years they also have sent me hard copy that has no dates or amount that are listed on my credit report so figures and dates keep being changed so I don't even know who has been paid or who is owed I have not seen a doctor for my XXXX in over 5 years because of this error on their behalf they keep showing up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/2023 and again it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-07-17
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
TD bank is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2021-03-18
Company: Kriya Capital, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a bank account with Truist Bank in XXXX. I was promised a {$400.00} checking bonus for opening the account. I never received my bonus. I met the requirements by receiving direct deposits for 2 months. The information said that I would receive the bonus within 2 months of completing the requirements. By the time XXXX arrived, I realized I hadnt received the funds. I gave an extra month and contacted my local Truist bank in the beginning of XXXX. They said they would call back the next day with answers. They did not. I called customer support to try and fix my problem. They said that they had no bonus showing on my account and that when my account was created I didnt sign up for the offer ( which is not true ). They said it would take 25 business days to resolve and look into the issue. It has been far over that and I called them a second time this past week. They said that there is no actual date on how long it will take. I asked if I could speak to someone in promotions directly or someone else that can help and the agent said that there is no one I can talk to. No one can help. I have to wait an indefinite amount of time and they will address my situation when they have time ( I began this in XXXX and should have had the money by XXXX. ) They are withholding my bonus and will not speak with me or give me help.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: MOHELA
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and XXXX. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off 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 2023-07-02
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, received payment by invoice from a tenant that I have residing in my home. I chose PAYPAL as a way of tracking my income and providing my tenants with proof of rental payments. 
I have had my PAYPAL account for quite some time and have never had an issue sending or receiving money, ever! Now, that I chose to use the services that they offer businesses such as invoicing, my account is shut down permanently and {$620.00} is being held hostage for 180 days. Even after speaking to several " Supervisors '' one of which explained that she had taken down enough information explaining the transaction and its purpose, and would " escalate '' my issue to the " backend '' department for review and that my funds will be made available for withdrawal by the next day, which would be XX/XX/2023. 
On XX/XX/2023, I checked the status of my account to find that my account had been closed, and my money would be held hostage for 180 days. There is no recourse of action, there is no " specific '' reason given to explain why my account has been restricted and my money is being kept hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from XXXX XXXX. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I whent to the car dealership to purchase a vehicle. i was not inform that my credit will be ran by multiple lenders. my credit was shared with out my consent by unknown source. 
Hard Inquiry 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