BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: MOHELA
State: CA
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 applied for an Income-Based Repayment Plan on XX/XX/. My student loans are serviced by Mohela. As of XX/XX/, the Income-Based Repayment Plan has not been processed and I have received no word from the company. I contacted Mohela on XX/XX/XXXX  to ask for a status update, but so far I have not received a response. In the mean time, Mohela sent me a bill for {$5100.00} due on XX/XX/. This is a sum I can not afford and would otherwise not be billed if my Income-Based Repayment Plan were processed on time. I am concern this will put me into delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: MOHELA
State: IN
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:
For years I have tried to get information from Mohela, spent countless hours on hold, and received bad information when finally reaching someone. Most recently, I have spent hours trying to reach someone, but no one ever picks up or calls me back. I can't understand how I could still owe money on my federal loans, if I've made 126 PSLF qualifying payments ( per the information in my account profile ) and you only need to make 120 qualifying payments. Meanwhile I continue to be charged each month and accrue interest. If someone would just explain this to me, I could pay what I need to pay, or resolve the issue, but the information available online in my account makes no sense and you can not reach anyone for more information. 
As a more general issue, this company should be investigated, they consistently give out misleading information, and make you resubmit the same thing over and over again while never looking at their own errors or improving their processes. I work in public service, I pay my taxes, and it is infuriating to be treated like this by this company which is being paid with taxpayer dollars. Dealing with them has become a second job and a misery.

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 2024-01-18
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For the third time in less than 9 months this company has checked my credit and lowered my credit limit. I filed a compliant against this company in XXXX I believe with you all. You all did nothing about my complaint with this horrible banking institution. They have once again made an inquiry on my credit and reduced my limit. They just made an inquiry in XXXX. There has been no changes between XXXX and XXXX on my credit. I have no late payments, no new negative or derogatory accounts. This company is targeting me because they have horrible policies that I complained about a few months ago, and still have not been changed. Every time they check my credit, that is an inquiry and that lowers my credit score, the lower my credit limit and that impacts my credit score as well. I will now contact every member of congress and get someone's attention about this matter. XXXX XXXX XXXX XXXX XXXX every media outlet until change is made. There is no reason whatsoever to have my credit checked three times and my limit lowered each time by this company. Who else are they abusing and striving to ruin the credit of. I will reach out to each store that they also service with store credit cards to encourage that they cut ties with them and find another bank.

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 2024-01-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
US Bank home mortgage. Location XXXX XXXX XXXX XXXX XXXX XXXX requested on XXXX

And inaccurate not true unauthorized please remove

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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They provided me with information that does not address my concern. I asked how to setup an external account so that I could pay them and they sent me some information on how to pay a bill. I have literally spent over 15 hours calling and holding on the phone. I have not been able to set up an external account. 

The customer representative told me to download a mobile app and ask " XXXX! '' I was also told to go online and add the account, but the feature appears to be disabled on my account. So, I just received the first statement from them on yesterday, I am on the site and I still can not add the 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 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX FIN XXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.

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 2023-12-04
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was part of a XXXX forbearance. When the XXXX forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included XXXX trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days 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 explanation
Consumer complaint received 2023-11-17
Company: CL Holdings LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Jefferson Capital is reporting an XXXX account on my XXXX credit report that is paid in full... It is negatively affecting my credit profile resulting in denials of credit and unnecessary hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/ at XXXX XXXX, I deposited {$500.00} ( XXXX {$100.00} bills ) into my Citibank checking account ending XXXX at the ATM of their branch on XXXX XXXX XXXX, XXXX, CA XXXX. 

The ATM all of a sudden ended the transaction, gave me my debit card back and nothing was on the ATM screen anymore. All happened after the machine swallowed my Cash and nothing got deposited into my account ( Nothing is showing to this date ). 

I immediately called the number on the back of my debit card 7 minutes later and reported the incident. The representative told me that my money would show up imminently on my account and opened up a case ( Case ID # XXXX ) but four days later and my money is still missing. The representative over the phone sounded very incompetent and barely could speak English. 

The ATM had two security cameras above it which can confirm what happened easily, however Citibank is unresponsive and unhelpful. This is clear theft being done by Citibank. I don't know what to do anymore. 

Please help me.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SYNCB/TJX COS has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/year> I notified SYNCB/TJX COS that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that SYNCB/TJX COS has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that SYNCB/TJX COS complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX credit card issued through GE Money Bank XXXX XXXX. I made a payment agreement with GE Money Bank to settle the balance after it was past due. The phone number I called was XXXX & I set up the payment agreement with XXXX at ext. XXXX. 

I settled for a total amount of {$350.00} in which I made 2 payments. I made a payment for {$81.00} on XX/XX/XXXX & another payment for {$270.00} on XX/XX/XXXX. I have copies of the checks from my personal bank account that was XXXX XXXX The transactions were completed successfully. 

I have been contacted every few years from multiple collection agencies trying to collect this debt, despite it being paid to the original debtor. Despite providing information to these companies multiple times showing the debt was paid, it still gets passed off to another agency. 

I have documentation showing a collection agency named XXXX XXXX contacted me XX/XX/XXXX regarding it. I also have letters dated XX/XX/XXXX from XXXX XXXX XXXX. 

Most recently, on XX/XX/XXXX, I received a text message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX stating they are trying to collect the debt. 

I have contacted this agency to dispute the debt. 

On my most recent inquiry to XXXX credit card services a few years ago, they stated they didn't have record of the account under my social security number. 

Every collection agency I have provided this proof to has told me it would be the end of it, however, it keeps reappearing & is an endless cycle. I have to take time out of my busy schedule to send documentation, get harassing phone calls to myself & family, & it is causing me a great deal of stress as this has been ongoing for 17 years.

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 2024-01-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Received a statement from Shell point Mortgage showing that my mortgage will jump over {$800.00} more a month due to a negative balance in escrow. There never has been a negative balance and always enough money in there. I have tried repeatedly to ask where and who the money went to out of escrow. It looks like several thousand was taken out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, I have a good credit limit across all my cards but except with capital one. 
Despite paying each month in full they never increased the limit. 

Capital one bank is one of the worst bank in the country and their algorithm to approval for the consumers is really strange. 
They abuse the customers by bucketing and charging high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account. 

Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase. 

Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email. 

I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account. 

In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted. 

But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.

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 2024-01-16
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/2023, XXXX XXXX XXXX XXXX dispatched an unlicensed plumber named XXXX XXXX XXXX, who came to my house and did extensive damage to my heater while trying to fix it. His supervisor named XXXX was called to address the situation, promised to return and fix the heater and asked for credit card number " just in case, so we know we will get paid when we finish the job ''. No permission or authorization, written or implied, was given to XXXX XXXX. No amount of charge was discussed. XXXX XXXX then went on to charge my account {$320.00} without my authorization. I immediately reported the fraudulent/unauthorized charge to XXXX Bank XXXX but XXXX just XXXX in favor of the merchant without any investigation of the facts. Please see attached documents, including the copy of the complaint filed against XXXX XXXX via Better Business Bureau, receipt of complaint filed with MD Attorney General 's office and a receipt for submission of the complaint to Maryland Department XXXX XXXX to investigate XXXX XXXX for hiring and dispatching unlicensed plumbers in the State of Maryland. Note that despite large amount of evidence to support my claim of unauthorized charge by merchant, XXXX still ruled in their favor. I request a chargeback and full refund of money which was embezzled from me by the 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 monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: PA
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:
I contacted XXXX, EQUIFAX, and XXXX on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I enrolled in the biweekly payment program at Banco Popular for my conventional mortgage, and the next statement it showed that my partial payment was unapplied and being held until the other partial payment was sent through. This defeats the purpose of providing a biweekly payment schedule, where it would be understood that a payment received would be applied towards the principal and interest rather than being held unapplied.

Company response to consumer: Closed with explanation