BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: MOHELA
State: MD
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:
Since XXXX before my loans even began disbursement, I have been employed by a qualifying employer. I have submitted certification forms for this qualifying employment covering XXXX until XXXX of this year. Additionally, I have submitted paperwork waiving any in-school deferment or forbearance. This waiver was in place before MOHELA took over, and I have since resubmitted it twice to MOHELA since they seemingly lost the records. This waiver of deferment and forbearance should be in effect retroactively to the beginning of my loans and moving forward until I request otherwise. These XXXX things combined mean that every single XXXX of my payments should count as eligible towards XXXX. Despite this, there are XXXX payments from XXXX that MOHELA refuses to update as eligible towards XXXX, even though before MOHELA took over they were shown as counting towards XXXX. I have been told that there is an administrative forbearance for these XXXX months, but MOHELA refuses to give me any more information or remove this incorrect forbearance. I did not request this forbearance nor did I never received any notification of this forbearance being placed without my request. It was not, to my knowledge, on my account before MOHELA took over. Every single payment before these XXXX months shows as qualifying towards XXXX, as does every single payment after these XXXX months. Additionally, my required payment amount at this time was {$0.00} as can be seen by looking at the payments before and afterwards, meaning that in effect there would be no difference made to my loans if this forbearance were removed. This forbearance is nonsensical and inaccurate ; it should be removed from my account so that these XXXX payments correctly count as eligible towards XXXX.

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 2023-09-26
Company: Frontline Asset Strategies, LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Verification of Debt Request letter to Frontline Asset Strategies on XX/XX/23. This letter was received by them on XX/XX/23. As of the present date ( XX/XX/23 ), I have not received verification of the debt that this company is attempting to collect from me. Per the Fair Debt Collection Practices Act this information was supposed to be provided to me within 30 DAYS of receipt of the letter. Due to the failure of Frontline Asset Strategies to provide the information requested, they are violating my rights as a consumer and under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I submitted a payment for my entire balance on XX/XX/2021 to avoid any interest charge. I assumed, that the payment was made as there was no indication of any rejection. However, on my statement I received a {$480.00} interest charge. 

I noticed the interest charge on XX/XX/2021 and called in hopes of resolving the issue with customer support, but was unsuccessful. 

If a bank can reject a valid payment and then charge interest it seems it is a lose/lose for the customer and this kind of practice is something the CFPB should look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: College Assist
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Federal Student Loan Forgiveness I want to begin the poverty federal student loan forgiveness process. 

I have been unable to receive assistance with the student loan agencies. 

There are two agencies : Loan Type : J Account Number : XXXX First Disbursement Date : XX/XX/2006 Loan Servicer : COLLEGE ASSIST, XXXX Loan Amount : {$150000.00} Interest Rate : 3.88 % And several loans with this one company : Loan Servicer : XXXX  XXXX  AND XXXX  XXXX, XXXX This is the one who refuses to work with me for anything. 

Can you assist?

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 2021-10-22
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC acquired BBVA. As of XX/XX/XXXX, I have not been able to access my old BBVA account. PNC never sent any information on new account numbers, routing number, or online access information. PNC website says my account can not be found. The local PNC branch is unable to easily find my account and is telling to wait for additional guidance. I have a debit card and was told, " well, you can use the ATM '' but my old PIN doesn't work and they never issued a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Transunion to reflect my proper current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX CA XXXX ) but my report is reflecting this address incorrectly ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ). This is not a real address, they seem to have butchered my actual address on file. 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, XXXX and XXXX have updated their systems and are reporting my correct current address- but Transunion has not. PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. 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 2022-11-11
Company: Experian Information Solutions Inc.
State: MD
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:
My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX, saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since XXXX reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to XXXX managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.

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 2016-11-02
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America does not send monthly or even quarterly Certificate of Deposit statements, so I have no way of knowing how much interest we accrue on our CD and on what date. I am unable to reconcile my accounting software with the actual bank balance unless I am just lucky enough to log onto my account on the exact date the interest posts, as even the online statement does not show the accrual. 

Is there not a law that states that they must send a statement, at least quarterly, if interest has been posted to our account? Even if it was available online, that would be better than nothing, but the online account does not create a statement either. I have to waste time being passed between different departments when I call to get the information. Absolutely ridiculous. I have already registered a complaint with the bank, twice this year alone.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 has violated my rights. 

Creditor. Date XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-01-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX  XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2020, XXXX XXXX my care giver contacted XXXX XXXX XXXX XXXX who was referred by my landlord. I was just released from XXXX XXXX  from XXXX XXXX she spoke with employee XXXX at XXXX i was XXXX and had no knowledge of the call at this time due to my XXXX and medication. I was told about the conversation later. XXXX ask mr XXXX could his company provide video footage to her cell phone while away from the home because she was a care giver and taking care of a patient who just had XXXX and XXXX XXXX and could not get XXXX XXXX XXXX he said that they could provide the service for XXXX dollars a month and XXXX up front for equipment when the technican arrive she said ok and sign my name on the contract with out my approval .The technican arrivied on XX/XX/2020, he also install the new alarm and small motion detectors inside the house with out my knowledge he then activated the system. XXXX then ask him how does the video footage work on the cell phone he pulse and said what are you talking about she explained that mr XXXX confimed that the company could provide this service while she was away from the house he said he could not provide this service and mr XXXX gave her the wrong information she then call XXXX to cancel the account. MR XXXX said he was wrong and apologize for the miss information i told her immediately to cancel this service and get it out my name please.XXXX said he would cancel the account since he lye about service but he could not refund the XXXX dollars at that point we said cancel the account and we would like to speak to a supervisor he hung up the phone. the technican gave us supervisor XXXX XXXX number XXXX, i call him and told him again i dont want this service and please make sure its cancell because XXXX lye about the video footage to the phone he said can we something else out we said no thank you and hung up the phone i then noticed i was receiving serveral emails stating the alarm was not activated over 50 emails i call him back and said XXXX told me the acount was cancel he stated ok and i will make sure of it he lye.we never activated this service and have proof of that i also email them to cancel the account and call the automated service serveral times .i later received a letter from collection agency hillcrest davidson XXXX i later learned it was report to XXXX credit report, report number XXXX for XXXX dollars, my credit score drop 58 points from XXXX to XXXX this is wrong for this of trying to extort money from me and should be a crime i am XXXX  years of age shame on them i filed a dispute wih XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SEE ATTACHMENT! 

Missouri Higher Education Loan Authority ( MOHELA ) Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Subject : Request for Account Verification and Compliance Documentation Dear MOHELA Customer Service , I am writing to request account level documents for my student loan account. Specifically, I seek to verify the amount owed and ensure compliance with Federal Law 15 USC 1681b ( 2 ). Additionally, I request proof of consent for sharing my nonpublic personal financial information with non-affiliate third parties, including credit reporting agencies.

Please provide the following : Account Verification : Please provide a detailed account statement that includes the principal balance, accrued interest, fees, charges, and transaction history. Include any recent transactions or adjustments to my account. 
1. Original creditor 's name and contact information.

2. Full account history with all transactions.

3. Details of interest or fees associated with the debt.

4. Proof of MOHELA authority to collect this alleged debt.

5. Agreements or contracts relevant to the alleged debt.

6. Verification of the debt 's accuracy, including the claimed amount.

Compliance with Federal Law 15 USC 1681b ( 2 ) : Confirm MOHELA 's compliance with Federal Law 15 USC 1681b ( 2 ) regarding the sharing of consumer credit information with credit reporting agencies. 

Consent to Furnish Information : Provide documentation demonstrating MOHELA 's lawful authority to furnish my financial information to non-affiliate third parties, including copies of consent forms or agreements.

I kindly request that you provide these documents within 30 days of receiving this letter. Failure to comply may necessitate further action on my part.

Please send the requested documents to : email address on file Thank you for your prompt attention to this matter. I anticipate your timely response. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-23
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The problem started with someone trying force a electronic check through my account I don't recognize or I don't know and I told this arvest bank and we discovered I had identity theft but the problems kept growing because of {$1500.00} electronic check that was passed through my account and then I was trying barrow enough money from these payday loans places to cover it but my bills kept adding up and piling up because of this identity theft problem so I went everyone told them about it ask for personal loan I couldn't get because because of lying cheating credit bureau using inaccurate information they gather on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in distress and can not believe that the Dept of education is still reporting inaccurate n incorrect information on my credit report. On XX/XX/2023. I wrote dept of education regarding this plight and to dispute these inaccuracies to which my request went unanswered. I wrote dept of education/Nelnet stating that they did not investigate my dispute within 30 days was a violation of FCRA section 623 ( a ) ( 8 ), to which the information in question has become unverifiable and must be deleted under the FCRA .Dept of Education/Nelnet finally wrote me back after 50 days stating they found no adjustment needed. I am in total disagreement with this conclusion first of all it was concluded outside of the 30 days they have to under the FCRA and was already deem unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lloyd & McDaniel, a collection agency, filed a lawsuit against me in XXXX. XXXX in XXXX XXXX. 

At that time, I contacted them via phone and made a verbal agreement to pay a specific amount. I made every payment ( sometimes more than required ) monthly. 

They sent me a document in the mail stating that I was required to sign, but the language used in the document indicated that I was agreeing to a court judgement, which had not been made as we had not gone to court. It also added court costs to the payment schedule, which I do not recall agreeing to. I was informed by a legal advisor through my job to not sign, as no court judgement had actually been made, and in signing the documents I would be agreeing to tactics that would not normally be used without a court order. 

As stated, I made payments monthly. 

Recently, I found out I would have to have XXXX for XXXX, and have to take time off work. While out on XXXX XXXX XXXX, my pay would be significantly less. I asked if I could take a hiatus from payments. This request, made through multiple calls, as I could not reach the correct person for several attempts, was made XXXX XXXX. The response was 'no '. They said they would delete the payment schedule, instead. 

In the meantime, my local court sent a notice to dismiss the lawsuit due to lack of prosecution. In response, the company then sent a notice ordering the case stay active in the docket. In this notice, it claims that the " Plaintiff has not received any response from the Defendant to the Complaint filed in this action. '' This is absolutely incorrect. I have made payments regularly through their telephone system, often communicating with a person to make the payment. I called in late XXXX to discuss the financial situation. Essentially, they appear to be lying to get the case to remain active. 

They are requesting a default judgement, according to the document. Again, I have been making payments, and communicated with them. There is no default. 

In essence, the company has tried to get me to agree to a judgement that would give them powers only a court can give, and has sent a false statement to the court. 

I have screenshots of the dates, times, and lengths of my calls to them in XXXX. I can retrieve earlier call records, if needed. I have taken photos of the documents in question. I am unable to load them at this time, my phone does not want to upload. Will attempt again later.

Company response to consumer: Closed with explanation