BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to contact MOHELA a number of times. I have sent an email on the following dates with zero replies nor a phone call. XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022. 

I have tried to call their customer service numbers on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Every time I call, I am on hold for well over XXXX minutes only to be disconnected and try again. I have emailed asking for someone to call me. There is something wrong with my account and no one will respond to me. 

Customer service experience is terrible. While I understand the amount of people attempting to work with MOHELA at this time, it is not okay to not respond to a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Sequium Asset Solutions, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX discriminate against people with XXXX income they denied my loan because my sister is listed as payee on benefits. This made me feel less fortunate and hopeless. They told me I need to remove my sister name from benefits to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Credit Plus Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have loan with XXXX XXXX XXXX  in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, had an insurance claim for damages to my car garage that was hit by motorist at XXXX XXXX XXXX, XXXX MD XXXX. XXXX XXXX issued check, but stated the check must go to my mortgage company for verification, and then they would release payment to the vendor/contractor for repairs. My mortgage company BSI was issued a check for my repairs from XXXX. The mortgage company cashed out the check, from XXXX XXXX  company, but never paid out the BSI Financial never paid for the damages I incurred. I since them paid for all the repairs myself out of pocket, and the mortgage company owes me {$6200.00} Please see attached check when I received it and sent it to BSI for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Google Compare Credit Cards Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
A person paid me XXXX from her bank account via the Google Pay app on XX/XX/XXXX, and on XX/XX/XXXX her bank shows it cleared/deducted. I spoke with Google today XX/XX/XXXX, and they claim the transfer is still pending. I simply want my money. I've never had a problem with any other app such as XXXX, XXXX, or XXXX. I could be wrong, however if Google does this on many high dollar transactions, as long as they hold the money they could be earning interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX Concerning the above, the company has refused to honor the {$400.00} sign on bonus. The XXXX bonus was never mentioned in the paperwork I signed, although it mentioned the XXXX minimum deposit that we complied with. On the 38 pages of disclosures we never seen the promised deposit of the XXXX. The bank refuses to answer my calls and emails. The bankers never presented a durect deoosit slip. They never mentioned the terms of the bonus. In three occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Well close story short story, someone dead frog on my name and open a fraudulently account which was sent to collection eventually. The Account yes its been open since XXXX and Ive been disputing the account with experian since XXXX. Im very upset because I have done everything they asked me for, a file that identity Theft report on identity theft.gov. XXXX XXXX and XXXX  already removed this account from my credit report but for some recent experian its not able to remove it even though I provided all the information they asked me for I even called them several times and they been very rude on the phone I just dont know what to do anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I received a email from XXXX stating that Equifax put a Fraud Alert because I was a XXXX XXXX and Not to lease an a Apartment to me, and that I had Not Paid Off my Home, and that my Credit Report was erroneous! Also Equifax Reduced my Credit Score by 52 points and these XXXX are still Toying with my Credit Report big boy style with XXXX XXXX  aggressions to-date, but Im a Fighter, I Fight Back! These XXXX are coming at me in a real way, and I got to show them in a court setting I Fight Back and Im going to take their money for XXXX with me for the past 26 years with their XXXX XXXX  acts!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was financed with Wells Fargo Dealer Services. I had to declare bankruptcy after being diagnosed with XXXX XXXX. I continued to pay my car payment I did become a month behind I called them and told them when I could make the payment and they agreed to this. A couple days later I went out side to get in my car and it was gone repro. In the state of SC if your vehicle is repo you can not get it back. Because I had made the arrangements with them they allowed me to pay fines fees totaling about XXXX in order to get my car back. This was in XX/XX/XXXXor XX/XX/XXXX. Due to this process happening I refinanced my car with another company. Most interest paid car had about 2 years to be paid in full. When I refinanced of course my interest rate went from a 3.5 to 15.7 percent. People who become sick no fault of their own can find no help anywhere we lose everything.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.

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 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an office chair from XXXX XXXX for {$64.00} Within 2 months the back rest ( plastic ) cracked and chair not usable to lean back on Merchant says only wheels guaranteed, this chair is defective as it should not crack from normal usage in such short period I have photos of broken chair but unfortunately I misplaced charge receipt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying on my mortgage for a year and a half, only to find out that my payment I sent in early were not being applied to the balance forward but to principal. Loancare has now informed me I am ( 3 payments XXXX behind in my mortgage and incurring late fees and bad credit markings, that the balance payment will not be moved from principal ( 4 payments XXXX where they should have posted to bring the account current and ahead as it should have been posted in the first place. 
I have inquired about this since XXXX 2020, only to promise they will fix the error. This has not been done to date and now I have 24 Hrs to fix this issue or loose a standing offer to refinance at a lower rate. 

This is what I get for paying ahead and having excellent credit rating.

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 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After disputing the alleged debt with Portfolio Recovery, they continue to furnish invalidated information to my consumer report causing great mental anguish, damages and losses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX, XXXX and Experian over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.

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 2021-11-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested three times for Resurgent Capital Services to provide proof that I opened this account with XXXX XXXX, XXXX XXXX and include my signature, indicating that I did open this account. Three times, I have not received proof that I opened this debt, nor have they removed it from my credit. The last communication was sent via certified mail on XX/XX/XXXX with a cease and desist with a request to provide proof that I opened this account. I just received a letter with a copy of a statement, no signature, and the account has not been removed from my credit. According to the FCRA, I have the right to a fair reporting on my credit report. I did not open XXXX XXXX Account Number XXXX and Resurgent Capital has yet to provide me a copy of agreement that I signed to open this account, because I did not open this account. 

I am requesting proof that I opened this account, which I did not, or I am requesting that the item be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, Transunion credit, XXXX  Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. Transunion {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
During the first week of XX/XX/2020, when I logged into my Bank of America Business Checking account, I noticed a charge for {$880000.00} ( When I called the bank I was alerted that this meant my account was frozen and scheduled to be closed. I was told the process could take a week and the funds would be returned. Every couple days I called Bank of America to discuss the status. I was told on at least 3 different days my account is scheduled to close the following day, and check would be sent out. Well that never happened. Then on XXXX XXXX I called Bank of America to ask for a status of my funds and was told a note on the account said my money will not be returned to me but no reason was listed. I spoke with a supervisor and they sent a note to the back office and told me to call in 24-48 hours of an update. On XXXX XX/XX/2020, I call and speak to a supervisor again, and I'm told there is no update and my funds are still pending held and no reason is given. It's coming up on nearly a month and I need the remaining XXXX in my account to continue operating my company. I was told the bank closed my account as a business decision, that's fine, I want my money back.

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 2022-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
New account was closed the day after I opened it. It was closed without warning after I already sent funds to the account and setup direct deposit with my employer. I suspect it was because of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019 I received a mail offer from American Express for the EveryDay Credit Card offering me $XXXX annual fee with $XXXX balance transfer fee and 0% intro APR on purchases and balance transfers. I was interested in the offer but there was no information for how much I was pre-approved for or whether the balance transfer was limited to a certain amount. I went to the amex website and entered the RSVP code they gave me along with my social security number to run a credit check. My credit check went through but the website then informed me that there is a limit to their balance transfers. At this time with the new terms offered to me by American Express, I rejected this offer and attempted to remove my information and exited the website. Their website shows an "application progress" bar at the top of the page and I was only at the first stage of this process. The final stage was the "submit application" stage and I intentionally exited the process before submitting my application or consent to their new offer.An hour or so later at XXXX I received an email telling me that I have opened a new account and they would send me a card in the mail. American Express opened this account without my consent using fraudulent and deceptive practices. This adversely affects my credit history by showing a new credit inquiry and a new account that I did not consent to opening. I called their customer service center and spoke with XXXX-employee number XXXX, and she is sending this to their fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: SYNCHRONY FINANCIAL
State: FL
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:
Please refer to CFPB Case XXXX CareCredit Rewards Mastercard account ending in XXXX. This case should show a response from XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank, XXXX XXXX, SD. In Ms. XXXX 's response dated XXXX XXXX, XXXX, she asked me to call her at her 800number and she listed her extension. I have called her four times : Fri. XXXX ; Wed. XX/XX/XXXX ; Tues. XX/XX/XXXX ; and one last time on Fri. XX/XX/XXXX. Each call was answered with the same greeting : " I'm either on the phone or away from my desk ... yadayada ''! I placed each call at different times during the day and left the same request for a return call. I NEVER received a return call or any email response as I asked her to please check her emails ( I left two ) and get back to me. Ms. XXXX claims she has a recording of the telephone conversation of the transaction. I'm requesting to have Ms. XXXX call me and play this recording back to me. She claims the CSR read back the routing and account numbers and there was a missed number. I listened very carefully when that CSR read back the numbers to me and she got them correct. I say she had the numbers correct but input them in their system incorrectly. I want to hear this recording. I think ms. XXXX is being very rude for not returning any of my phone calls or not responding to my two emails. I want to hear that recording!

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