BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Wells Fargo is has violated my consumer rights per 15 U.S. Code 1681m by denying me a loan based on information on my credit file.

15 U.S. CODE 1681m- Requirements on users of consumer reports. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a 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 2023-03-20
Company: Upstart Holdings, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was offered this loan in the amount of {$5900.00} on XX/XX/2023. I submitted documentation and was told I was approved on XX/XX/2023. 

The initial approval on XX/XX/XXXX was based on a soft pull of my credit, with no inquiry on my report. The final approval made it seem like the loan was approved, with the hard credit pull already taking place. 

The instructions from the company were to log in and sign the loan agreement to finalize the loan. It was not made clear that there would still be another credit check, which they did without clear explanation - leaving me with an unnecessary inquiry on my credit report. 

These are deceptive and confusing practices, if I had know there would be another credit check I would have declined the offer. You can not use the term 'approved ' when there's still another credit check, that should be reserved for when a loan is actually approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Maximus Education, LLC dba Aidvantage
State: CO
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 have submitted multiple payment attempts since XXXX XXXX. I have gotten payment confirmations for each attempt to bring my balance due current. A few days after each attempt Aidvantage labels my payment as " payment revered '' and then sends me multiple past due delinquency notice emails and offers payment assistance plans. I have verified all of my banking information online. It is correct. I have called my bank multiple times to ask why they reversed the payment and each time they tell me they never even received a request for payment from AidVantage for any of the attempts I have made to pay ON TIME. 
I now have accrued additional interest on my loans and am labeled as delinquent. I have reached out to AidVantage on 3 separate occasions and haven't heard back at all. No one will even give me the time of day and try to help. I feel as though I am being scammed out of additional interest and being spammed with past due delinquent emails and " do you need help making your payments on time '' emails. I do not need a special payment plan, I just need AidVantage to fix their payment portal and correct the interest problem and take the time to correspond with me regarding issues with their site, not my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated my student loans in XX/XX/XXXX in order to qualify for student loan forgiveness. As of XX/XX/XXXX. All of my student loans were consolidated under one company as has since been updated to my credit report under the new student loan company. I contacted American Education Services XX/XX/XXXX in reference to the loans that remain open on my credit report that is currently showing opened that are consolidated with another company. The representative for the company advised me to call back on XX/XX/XXXX to receive an update for thr removal of this information from my credit report. I was advised to make a complaint to get this errors from my credit report. I have also been advised by American Education Services that my my student loans are no longer with the company and the balance is XXXX however the balance is still listed on my credit report. I believe I should not have to file a complaint in order for this company to remove these accounts in order for my credit report to be updated. I am requesting the accounts listed on my credit report be closed and defrom my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. The following are the details of the inaccurate information and the required corrections : 1. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

2. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

3. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

4. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

5. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ). Please remove it from my credit report. 

6. The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ). Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with PennyMac, I think that they bought my mortgage from the original lender I'm not sure, anyway when i first received my payment letter i went on lenders website and set up auto pay, after a year or so i guess the escrow amount changed to an additional XXXX XXXX at this point PennyMack was sending my mortgage payment to the balance and telling me i missed a payment! so after i called in and complainer they applied payment and i gave them my checking info and they fixed it temporarily, i told them i was on auto pat they said i was not, they told me that my bank should fix this, so i went to the bank and they said i did not have any auto pay on my account and that PennyMac takes money out! I've been going back and forth for monthes and now they say that i missed a payment in XXXX and that i had to talk to another department and then was disconnected called PennyMack back and was hung up on? The gentlemen was very rude and had no empathy for my situation before abruptly disconnecting call. Now my credit rating is being affected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX  EST I received a text notification saying my telephone number had been changed in my chime back account. Im thinking too myself impossible because I didnt do this nor do I know this number. Upon further inspection I try to change my number back and Im locked out of my account. By the time I gain access to my account again all of my money XXXX $ is stolen out of my checking and savings account. Im filing this report to stay ahead of this dispute. I immediately called chime by XXXX XXXX  to report the theft. I do not want to receive an email saying no error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: CT
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I was the victim of an Internet Fraud Scam. I believed that the people I was dealing with were from Chase Bank and XXXX. They informed me that my financial information had been compromised and that people involved in XXXX XXXXXXXX and gambling had already taken thousands of dollars from my accounts. They told me that the only way to handle this was to get encrypted accounts and that they would help me complete that. The scammers told me that the people who had taken my money were from Chase and therefore I needed to follow their instructions. I then wired {$38000.00} to to a person named XXXXXXXX XXXX at XXXX XXXX XXXXXXXX in XXXX, CA. When I got home, I realized that I had been the victim of a scam and I called the police. XXXXwo police officers came to my home. The police report that was sent to me Indicates that I am the victim of " PL 155 Larceny ; Larceny Petit by False Promise and PL 155.3501 Grand Larceny 3rd Degree, 23H Felony. '' On XX/XX/2023, a detective from the XXXX precinct in XXXX, NY called me to tell me that he was able to contact law enforcement in XXXX, CA and that the recipient 's account was able to be frozen, except for {$10.00}. Thus, {$37000.00} was on hold and did not get sent. He told me to work with Chase to get my money back. Since that date I have been working with Chase to resolve this. I was told by the Wire Department at Chase that if I got a Hold Harmless Letter from Claims at Chase, the money could be sent back to me. Claims at Chase is refusing to do the Hold Harmless Letter because they say I initiated the wire transfer. I contacted Complaint Escalation at Chase but with no success in getting Claims to submit the Hold Harmless Letter. I have tried to explain to Complaint Escalation and Claims that I am the Victim of a Crime, that my money is waiting for me, and all that is needed is this letter allowing XXXX XXXX XXXXXXXX to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I checked my credit score XXXX, as I do nearly each day and noticed that there was a balance of {$17000.00} associated with a Barclays Bank credit card that I have never had in my possession. My credit score also dropped significantly because of this. I immediately contacted Barclays Bank. They searched my accounts and showed that there is a XXXX balance, and they didn't see a {$110000.00} charge on the other card associated with them and that which is showing up on XXXX XXXX. The card associated with this fraudulent and suspicious activity is BARCLAYS VIEW MASTERCARD. Barclays suggested that I contact my financial and reporting institutions immediately to report this, which is what I am doing at this moment.

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 2023-10-23
Company: ECMC GROUP, INC.
State: SC
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:
My name is XXXX XXXX XXXX. XXXX XXXX is my XXXX. On XX/XX/2023, ECMC purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. ECMC first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between ECMC, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from ECMC stated, " XXXX  XXXX XXXXECMC Account # XXXX ; Education Credit Management Corporation ( ECMC ) has reviewed your concerns. Following is history of the nine loans in question held by ECMC that match the first & last name, mailing address and email address provided by you on this complaint. '' ECMC stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date ECMC, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, ECMC provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. ECMC wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and ECMC. XX/XX/2023 the ECMC discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by ECMC, showing further proof that their records was and can be altered, XXXX. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-10-24
Company: EQUIFAX, INC.
State: PA
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 that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2023-03-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since my loans were originated with NewRez, they have been on automatic ACH payment with the company. In XXXX 2022, my ACH was canceled because NewRez was unable to locate my account and NewRez did not notify me of the cancelation. A representative called me to collect the payment and when we discussed the payment history, the representative confirmed that I was not notified of that error or challenge on NewRez 's part, and reversed the late fee. I re-established the reoccurring payment since that time, and payments for 3 of my accounts were withdrawn via NewRez ACH. I have confirmation emails subjected " Your recurring payment has been submitted '' from XXXX and XXXX. On XX/XX/XXXX, all three loans were sold, but no notification was made to me that there was any change in servicing or that my automatic payments were being stopped. ( I was only able to ascertain this informationby reviewing my payment history in NewRez 's portal ). I have still not received any notification of a change in servicer. On XX/XX/XXXX, a rep called me to say the payments were not received. I confirmed that the XXXX and XXXX payments were automatically drafted, and we talked through why my ACH was not taken out, and the rep stated that when the loan was sold, it may have canceled the ACH, but no notification was sent. I requested the late fees reversed, as NewRez failed to notify us that the payment I authorized was canceled and I have not received any notification of a change in servicer. When I called on XX/XX/XXXX, the rep and manager said they had no notes or documentation of a call on XX/XX/XXXX. I was also denied my request to reverse the late fees. I requested that the recording of the XX/XX/XXXX call be pulled for reference and requested an investigation about what occurred between the XX/XX/XXXX payments and the ACH payments being stopped, without notice. The representative told me that no one would call me back andthat nothing could be done. These late fees and any record of late payments on my account are inaccurate and I am requesting full and complete documentation about what has occurred on my accounts. I am very concerned about NewRez inaccurately reporting to the credit bureaus on my behalf or continue to charge unwarranted fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: RI
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have a late payment reporting from XXXX on XXXX 19,2022 i called Home Depot about this issue which we was wavies on On XXXX 19,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with Homedepot directly but the issue still appears.

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 2023-03-20
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:
RE : MOHELA servicing. I have important inquiry while I was reviewing my eligibility for public service loan forgiveness, I discovered a mistake on my remaining qualifying payments. My employer, XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/2010 My query is why my debts have not been forgiven despite the fact that I have fulfilled all of the prerequisites that are required by the program. its being several month i have not receive a response from them can you please help me resolve this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am an former employee of the XXXX... I was injured XX/XX/2022 with XXXX XXXX XXXX .... while I was out recovering from XXXX XXXX XXXX XXXX, I was wrongfully terminated by the XXXX. My wrongful termination resulted in me accruing overwhelming medical charges on top of already being homeless from being fired.

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 2023-03-20
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal said I can no longer use there services which Im ok with but when ask to close my account they said they can. My financial info is still in there Al I want them to do is close my account

Company response to consumer: Closed with explanation