BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
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:
Experian starts this week like they started and FINNISHED last week WITH ANOTHER LIE but that's expected from this fraudulent crooked company. You can never view the disputes

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: LAKE MICHIGAN CREDIT UNION
State: MI
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:
II 've spoken to lake Michigan credit Union multiple times and told them to remove this inquiry and I have also spoken to XXXX. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!

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: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Roundpoint Mortgage Servicing LLC ended up sending me advertisements in the same mail as my tax documents for a third party. I got a XXXX XXXX XXXX XXXX advertisement included with my official Annual Tax and Interest Statement 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 2024-01-06
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:
I recently recognized several unauthorized charges on XX/XX/XXXX and XX/XX/XXXX on my credit card statement with Wells Fargo Banking. The fraudulent charges were the amounts of {$250.00}, {$250.00}, {$260.00}, {$270.00}, {$270.00}, {$260.00}, {$190.00}, {$190.00}, {$250.00}, {$210.00}, and {$71.00} shown on my transactions from " XXXX XXXX XXXX XXXX XXXXXXXX '' and {$20.00} from " XXXXXXXX XXXX XXXX XXXXXXXX '' and {$2.00}, {$7.00}, {$6.00}, {$0.00} from " FOREIGN CURRENCY CONVERSION FEE ''. I also received a text push notification from Wells Fargo on XX/XX/XXXX notifying me if I recognize {$140.00} and {$290.00} from " XXXX XXXX '' which I replied " N '' for no. I recently called Wells Fargo immediately on XX/XX/XXXX to notify about these charges and spoke with a representative stating that these charges were not authorized by me. The representative then transferred my call to their credit card fraud claims department on XX/XX/XXXX and I talked over the phone with another representative about the charges mentioned above as fraud. The representative then closed my credit card account, issued a new credit card, and initiated a claim on these charges that I reported, and I waited several days for a response that I have received by mail on XX/XX/XXXX stating that the claim was denied and that I have " gave authority to the person or business that made the transactions in question '' which is clearly false. I never gave anyone permission and personal information from my credit card and now I have to make this report because Wells Fargo isn't helping resolve this financial crime. I recently called again on XX/XX/XXXX and spoke with another representative from Wells Fargo Credit Card Fraud Claims asking about the status of my claim and the person mentioned that it was denied. I explained to the person why this was wrong, that they made a mistake, and that these charges are still unauthorized, and they reopened my claim once again. From XX/XX/XXXX to today XX/XX/XXXX, I am still waiting for a response again from Wells Fargo about these fraudulent charges from XX/XX/XXXX and XX/XX/XXXX XXXX. I am a victim of identity theft by these unauthorized charges, and I am also requesting that these charges be credited back to my 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 monetary relief
Consumer complaint received 2024-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I attempted a direct assistance program with USAA regarding account XXXX and was denied due to excessive debt obligations. 

I applied and was accepted to an independent debt management company, XXXX XXXX, in late XXXX. XXXX negotiated with USAA to enter me into a debt management program on account XXXX. 

On XX/XX/XXXX I received a letter stating my XXXX account had been closed based on an application/agreement to participate in an assistance program. 

On XX/XX/XXXX I received a letter stating I had been accepted into the assistance program. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

In a phone call during the month of XXXX, a USAA customer service representative verbally informed me that I would still receive late notices from USAA despite being in the debt assistance program, but I should disregard these. I continued to receive XXXX, XXXX, and XXXX notices. 

I have verified monthly statements from XXXX that payments at the agreed amount, {$210.00} ( monthly ) were sent for XXXX, XXXX, XXXX, and XXXX of XXXX. 

On a letter dated XX/XX/XXXX, which I did not see until XX/XX/XXXX, USAA notified me that account XXXX was being defaulted due to non-payment, despite the ongoing payments through the debt management program administered by XXXX. I am unable to verify payment receipt on USAA due to the account being removed from my customer portal. 

On XX/XX/XXXX I verified on my XXXX credit report that the XXXX account had been reported as in default. 

USAA has maladministered my account and failed to meet their obligations in the debt management program or participate in good faith. Their communications between departments handling the credit card and the debt management program are a known problem to USAA employees, as demonstrated by the customer service comments to me in XX/XX/XXXX. The willful failure of USAA to address these issues demonstrates their bad faith participation in handling of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
1 ). I wanted to pay my monthly mortgage of {$2.00}, XXXX ( Principal and Interest XXXX + {$1000.00} increase in Escrow ) today being XXXX XXXX, but Lakeview refuse to take my payment both online through their portal and phone call, because they want to coerce me to make another increased payment for them to claim late payment later. 

2 ). On XXXX XXXX, I made mortgage payment of {$2200.00}, and by XXXX after MI deduction, My Escrow account balance was {$2.00}, XXXX, All of a sudden, XXXX disbursed another fund of {$2100.00} from my Escrow account again on XX/XX/XXXX after the Insurance has long been paid in XXXX? And when they realized on XXXX It was NOT returned back but they claimed it as Corp. Advance repayHow? Lakeview should refund this money back to my Escrow. SEE in the attached extract. 

XXXX ), Kindly, look at the table attached, Guaranteed Rate and Lakeview-Loan care should refund money taken out of my account Escrow account, to leave a positive Escrow balance of {$1700.00}.

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 2024-01-10
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: 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  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 an 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 2024-01-31
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:
Experian closes out the day by notification of another LIE because you can never view the results it's a ploy to get you to call there non English speaking customer service reps to show they engaged but there is ABSOLUTELY NOTHING THESE PEOPLE CAN DO FOR YOU, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM 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 2024-01-31
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I complained to you with complaint XXXX, and the bank responded with old bills on the account I closed. The sen t me the same bills. They did ot respond to you or me on why after closing the account paying some money, and receiving some money back, and they cut up my bank card, my account was closed.Later they said the Cash Advance wasn't closed... it was part of my account... bank SCAM. A few months after closing he account I got a bill for {$26.00} for the fee on the Cash Advance the a few months later a bill for {$56.00} for the same thing, then again a bill for {$76.00} for the same thing... .SCAM

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-02
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently paying monthly student loan payments to Mohela for my balance of XXXX dollars and hoping to be forgiven under the Public Service Loan Forgiveness program. Even though I have sent in periodic employment verification forms signed by my XXXX XXXX, Mohela has not applied a count to my forgiveness of this loan since XXXX of XXXX The latest communication I received from them was on XXXX stating that I had not met the 120 payments required for forgiveness when I actually met the goal of 120 payments back in XXXX. Someone that Mohela is not accurately reading my Public Service Loan Forgiveness Employment Verification forms correctly and applying the forgiveness. Meanwhile, I'm still paying them {$75.00} a month. When I ask if I will be reimbursed this monthly payment because I have made over 120 payments now, Mohela will not give me a straight answer and directs me back to the Department of Education when Mohela should have an answer as they are holding my loans. So according to my records, I have met the 120 payments for forgiveness back in XXXX but they still continue to show me at 116 payments for 8 months now. I am also owed a refund of my monthly payments since I met 120 payments and they are still taking my payment each month. It's simple math but Mohela refused to look carefully at my forms and consider what I am stating to them. Please help in getting them to forgive my loans and refund payments I have made since I should have been forgiven. I can clearly see online that I have provided the correct paperwork in order for the loan amount to be forgiven under PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm a XXXX  resident who owes student loans and have been on the PSLF plan for the last 9 years. My loans were transferred to Mohela last year, and I've talked to them approximately XXXX times on the phone since XXXX. To date, they refuse to generate a correct bill for me to be able to pay my loans. I have repeatedly submitted my income-drive repayment applications at the direction of their phone representatives. Only on one occasion did they come up with the correct amount to bill me for pursuant to the Department of Education calculator ( {$150.00} ). 10 days later, they canceled that plan and told me I owed {$3200.00}. They then instructed me to send another IDR application in. They now say I owe {$250.00}. I told them that amount was incorrect and they had me submit another IDR application, which they promptly canceled as a duplicate application. They also had to put me in administrative forbearance from XXXX through XXXX because they illegally sent me a bill ( for the incorrect amount ) less than 21 days prior to the due date. They have stated repeatedly that this administrative forbearance will count towards PSLF. Half of my XXXX loans are now showing as ineligible for PSLF. I have called so many times and can not make any progress whatsoever. They told me I should make a XXXX payment but my account shows that I owe nothing and I never received a bill for XXXX. I have filed a complaint with the XXXX XXXX XXXX ombudsman as well and was told I would receive a response within 15 calendar days, but did not. To date, I have made every single student loan payment on time and have never had any problems with my accounts, but I literally CAN NOT get Mohela to generate a bill for me. I have spent hours talking to them and am at my wit 's end. I've been a local government employee for 9 years and simply want to have a bill generated so that I can make my student loan payment as I've always intended 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 2024-01-02
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have reached out to Mohela several times for a update on my loan forgivingness and they just keep telling me they're working on it. I have not received any updates and my loan should've been forgiven based on the guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela sent a super confusing email on XX/XX/XXXX which says regarding the XXXX delayed statement issue " You may also, instead, contact us to request a refund for any payment made during this time. '' The same email says " If you made any payment ( s ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( s ). '' Mohela deducted two payments during this time, one on XX/XX/XXXX and one on XX/XX/XXXX. However, they are still deducting my XXXX and XXXX payments. If I can still receive PSLF credits for the XXXX and XXXX payments while getting a refund, then I want a refund of those two payments. Their statement that if I made payments between XXXX and XXXX then they will be credited towards future payments does not make any sense if they are still pulling my XXXX and XXXX payments.

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 2023-12-31
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:
Im a full class member of XXXX XXXX XXXX and lender Mohela has taken loans out of forbearance and now reporting them as 30 days past due. They have not processed the full discharge as approved by the class action suit and they are continuing collection efforts and harassing me. Ive requested them to place back into admin forbearance and they said no also asked federal student aid to notify them of this requirement and they have notified Mohela twice but Mohela still refusing.

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: WA
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:
MOHELA lists IDR recertification date is in XXXX and will not respond to inquiries. Dept of ED states If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX  year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. Yet, my date is still incorrect. 

If I fail to recertify by MOHELAs incorrect recertification date I will have my accrued interest of over XXXX capitalize onto my loans principal. I would like MOHELA to follow the guideless set by the dept of ED and push back IDR recertification dates like they are supposed 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 2023-12-11
Company: Kriya Capital, LLC
State: FL
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 contacted CREDENCE RESOURCE MANAGEMENT, in regards to an XXXX account that was reporting on my report with a balance of XXXX. The rep I spoke with offered me a settlement amount of XXXX in which I paid and they advised that the account would be deleted off my report once the payment has been made. I tried to get the rep to send me information in writing to confirm that the account would be deleted once paymemtn is deleted and the rep advised that they do not send letters, and confirmed that our call was being recorded and assured me that it would be deleted. Upon checking my credit report the account status only lists as settlement and has not been deleted. I am requesting that the account be deleted per my discussion with the rep once payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29
Company: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I requested a wire in the amount of {$350000.00} from my savings account to Citibank to a brokerage account at XXXX. I was later informed by XXXX that the recipient information was incorrect. On XX/XX/XXXX I provided Citi with the corrected recipient information and was told the wire would be processed. After 3 days of trying it became clear to me Citi was not able to send the wire, so I cancelled the transaction on XX/XX/XXXX. I was told it could take up to ten business days for the funds to be returned to my account. In spite of multiple inquires each week, it took until XX/XX/XXXX for any of the amount to be return, and only {$340000.00} has been returned to date. Multiple Citi customer service professionals have told me they do not know why the full amount has not been returned, and they don't know hold long it might take to resolve this matter.

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