BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was scheduled to make my first payment XX/XX/XXXX in the amount of {$770.00}. 
I opted for a new due date. I wanted to change the date from the XXXX to the XXXX of the month. 
In order for this to happen, I had to make a payment {$230.00} to carry me over to the XXXX of XXXX. I made a {$250.00} payment. When the XXXX of XXXX came around they were stating I was late. I called back. I explained what I did to change the date. The representative did not seem to understand. To avoid arguing, I made promise to pay the remaining {$530.00} before the XXXX of the month in order to setup the new due date. I made a payment of {$530.00} on the XXXX of XXXX. Today I received notification that my account had been drafted in the amount of {$530.00} again. I feel like I'm being taken advantage of and they are not trying to listen and properly resolve the matter. I only want to make my payments on time and pay on the XXXX of the month. I am upset right now because the took {$530.00} from that I do not recall authorizing, plus stating I was behind on my payments. I wanted my money back but I'm not sure this matter will be resolved accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transactions XXXX Claim amount XXXX $ XXXX I submitted my dispute on XXXX XX/XX/2020 my original dispute was declined by my financial institution stating that the transactions were deemed valid however I was in jail at the time that the transactions took place And I submitted a rebuttal to the company on XX/XX/2020 after the previous 45 day investigation and submitted proof of incarceration. 
As of today XX/XX/2020 it has been 55 days since I submitted my rebuttal they are only allotted 45 days to gather a resolution, I have called and submitted numerous support request through their mobile application asking them to give me updates on this claim since they are over there alotted time frame, No one ever gets back to me its been weeks I feel like I am just sticking my feet in the mud not getting anywhere in the meantime I am out XXXX and some odd dollars for some transactions that I did not make that I did not authorize and they refuse to give me my money back. Or even get back to me and let me know whats going on no one calls me they have my phone number they have my email address this is really unprofessional and I feel like Im at the point where Im going to have to go to the courthouse and file a suit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PLANET HOME LENDING, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dispersal of funds - claim XXXX. 
My insurance company sent a check ( {$130000.00} ) for loss of house and I sent it to my mortgage company. The first check was deposited XX/XX/23. The second one deposited on XXXX  This check was for remaining coverage ( {$27000.00} ) and demo and removal of old house ( {$6700.00} ). 
On XXXX XXXX XXXX, I sent a copy of floor plan and purchase agreement and XXXX said it had to be approved by corporate and takes 8 to 10 days. I talked to them by phone XXXX XXXX XXXX XXXX XXXX, plus emails. I also called the in XXXX and XXXX plus email. 
On the XXXX XXXX XXXX, XXXX called and said she would send a check and tracking. I haven't heard from her since and no check. 
On XXXX XXXX, I emailed her 2 receipts for demolition and removal of old home which covers the {$6700.00} my insurance sent. I haven't received that check nor have I heard from her. 
I also emailed her on XXXX XXXX  and no answer. 
I called today, XXXX XXXX, left msg, no answer. 
In summary, I called on XXXX XXXX and XXXX said they had everything needed to process the claim except for corporate approval. It is now XX/XX/XXXX and no check. 
I originally asked for {$110000.00} as this is a manufacturer house and they require half down before starting to build it and the other half before delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans were paid off with Mohela on XX/XX/XXXX. I also made payments in XXXX during the CARES act student loan pause. My goal is to have all student loan payments made during the CARES act pause reinstated to my account so that I may apply for the {$10000.00} in student loan relief. My loans have only been serviced through Mohela for this entire time period. 

XX/XX/XXXX - I submitted a request for a financial summary of all payments made during the CARES act pause. 

XX/XX/XXXX - I called Mohela and requested that all student loan payments made during the CARES act pause starting in XX/XX/XXXX be refunded to my account. I was told this was in progress and it would take 30 - 45 days. I requested written verification be sent to me and they told me they could not do that. 

XX/XX/XXXX - I received the requested summary requested XXXX in my inbox on the Mohela site. It shows the balance going to XXXX for one loan ( that I paid off in XXXX ). For the second loan, it shows no payments after XXXX and does not show the balance going to zero. This loan was paid off in XXXX. The last page says " Financial Activity Summary Continued on Next Letter '' but there is no next page. I can see on their website that my last payment was made in XXXX ( have screenshot ). 

XXXX - I have not received a refund of any payments. I called Mohela and was prompted to enter my account number or SSN. I entered my loan number and the automated calling system is now saying they can not find me in the system and hung up on me. I called again and tried entering my SSN and same thing happened. I then sent a message to Mohela through their communications portal outlining the above. They have not responded. 

XX/XX/XXXX - Tried calling again to see if there was a glitch in the system last week. The automated system gives me the same message that they can not find me in the system via either my loan number or SSN and automatically hangs up. I can still log in through the Mohela website and see all of my account details. 

There is no email address for Mohela on their Contact Us page and they have made it impossible to connect with them. At this time, they are refusing to refund my loan payments made during the CARES act payment pause. These are all federal loans. This is time sensitive due to the deadline for the The XXXX Administrations Student Debt Relief Plan. I am going to lose thousands of dollars due to the fact that they are refusing to comply with both their policy and the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow Experian is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this 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 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
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 following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXo XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

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 2019-03-08
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019, I went to pay my credit card payment on one of my XXXX cards ( I have several ). I noticed the last time I paid my bill, that I paid the wrong card which caused me to have a missed payment, I called XXXX and the associate said she could transfer the payment of XXXX I made in error to the correct card. I agreed to do this. Then overnight the credit card company lowered my credit limit on the card I paid in error by almost XXXX USD BEFORE the payment was transferred. This now has me over the limit on the card they moved the payment from. I was given XXXX warning. Now I have an over the limit credit card ( XXXX dollars! ), and I have never in my life missed a payment. This harmed my credit and financial situation, and I was given XXXX warning.

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 2019-03-08
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX. 
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily. 
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter. 

Sincerely, 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 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went! 

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.

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 2018-12-19
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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap 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 non-monetary relief
Consumer complaint received 2018-05-20
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: Account status incorrect

Complaint:
My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.

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 2019-03-08
Company: Innovis
State: OK
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:
XXXXXXXX XXXX XXXXXXXX dba XXXX XXXX will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. XXXX has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. XXXX deleted accurate last payment amount of {$170000.00} at Innovis without cause XX/XX/XXXX that an XX/XX/XXXX Report by Innovis shows as furnished by XXXX  XX/XX/XXXX, and as of XX/XX/XXXX, XXXX refuses to respond to Innovis to correct the misleading partial last payment furnished by XXXX in response to proving XXXX 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX Innovis credit report and XXXX refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by XXXX XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow XXXX to continue inaccurate partial information furnishing and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I had sent an email to Navient via Online Services for a request to review my loans. I have consistently paid these loans on time. Due to the amount of original disbursement repaid ( 220 %, 189 % and 147 % respectively ) I was requesting these loans be reviewed by a decision-maker within Navient XXXX XXXX XXXX. Instead, I always get tied up in their switchboard run-around of operators and automatic-messages and can not have an independent banker or loan officer review my case. 

After sending a detailed letter on XX/XX/XXXX, I received a response on XX/XX/XXXX : " Thank you for contacting us with your inquiry. 
Private credit loans do not qualify for loan forgiveness programs. '' I feel that this message is cold and unforgiving and my case has not been taken into consideration. There are many money lending services, including credit card companies, where if the original amount ( plus a little extra ) is paid off the company will forgive the debt if it's been repaid by a lot, or settle on a much smaller 1-time fee payoff to close the account. 

I have much more documentation and am happy to provide it as needed. Included in the attached files is a document detailing the full scope of my situation.

Company response to consumer: Closed with explanation