BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good day. On the evening of XX/XX/XXXX I received a text message from a bank stating that someone was trying to take {$2000.00} from my account! Reply ( y ) if I authorize and ( N ) if not. So I typed no. 2 Mins later I received a call from Bank of america and the guy who I believe that worked there he went through every procedure. He stated that I needed to reverse it back to myself through XXXX. I Contacted bank of america and XXXX they told me they had all the information and accounts that it went to. One lady I spoke with even said all the number are actually a bank or america number so I thought this was a bank I could trust. This man had all access possible to my account so I believe it was a inside job. They claim they were investigating and came back shortly after stating it was nothing they could do. But yet this is suppose to be a bank that I could trust!!!!!!

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 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I received a text message stating that there was fraud on my bank of america checking account. A couple minutes later I received a call. The phone number was the bank of america customer service number. The person on the phone told me there was fraud on my account and they explained how I could reverse the fraudulent transaction online. Once I did what they said, {$3500.00} was taken out of my account. The scammed immediately hung up the phone. I then went to the local bank of america on XXXX XXXX in XXXX va. The manager there told me he was able to erase those transactions to the scammed and I checked my account. The {$3500.00} was back in my account. I then called bank of america fraud/scam dept to report what happened. I was told everything looked normal on my account. The transaction to the scanners didn't go through and everything was fine. The next day XX/XX/XXXX I checked my account and the scammed transactions were back on my account and the {$3500.00} was taken out. I immediately called bank of america fraud/ scam dept and told then what happened. I filed a claim with them. They assured me that the {$3500.00} would be reimbursed within 10 days. XX/XX/XXXX I get an email from bank america denying my claim.

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 2018-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the emergency room at the end of 2012. I was told my insurance covered my visit 100 percent. A couple years later I checked my credit report and this company reported a debt in collections on my report. Ive disputed several times with no response 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 explanation
Consumer complaint received 2023-08-04
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The incident happened on XX/XX/2018. I was diagnosed with temporary anxiety but the doctors imstakenly gave me a dose of lorazepam. After taking 2 doses to avoid anxiety, i had to discontinue the medicine to avoid dependence. On the evening of XX/XX/2018, after stopping XXXX - i had an anxiety attack and when I called 911 they told me that the XXXX vehicle was on the way. But my friend also arranged a vehicle to take me to the nearest hospital. But when i was on my old cell phone XXXX number, I clearly told the operator that I do not need the XXXX vehicle but the operator told me that they can not cancel the medical services. I never got any written response for nearly 4 years but now suddenly a collection was added to my credit report by a company called XXXX XXXX services for the amount of {$2200.00} I never utilized the XXXX XXXX and I tried calling the company but they could not give a clear answer and told me that it had gone to collection agency. I strongly deny these charges and never utilized their services and I would kindly request you to mediate and clear this from my credit report. Filed a complaint with MA attorney general office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This concerns XXXX credit card and their administrator Citigroup. My due date for this card is the XXXX. I began receiving calls from an XXXX number as early as the XXXX, perhaps the XXXX. There were 2 calls to me on the XXXX one left a message. I called them on he XXXX I was unaware that I had missed a payment as I generally pay online and thought I had done so. They were pretty rude on my call to them. The call was more a tone of delinquency than a 3 day oversight. This is not the first time that I encountered this with Citigroup. I immediately contacted their customer service and got a runaround. I asked to speak to a supervisor to get to the VP in charge of collections. Was told that it was XXXX XXXX. She would not or did not know ( really lame ) the contact info for him. I went online after that and after about a half hour was able to ascertain that informations.I emailed XXXX XXXX and he had someone contact me. The young lady was very nice but incompetent. She could not add anything positive to the narrative.The level of knowledge within Citigroup 's customer service and their collection department is POOR to say the least. More education and initial collection contact that more closely aligns itself to the timeline is NECESSARY! A friendly reminder is what's needed here.

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 2021-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was a bunch of fraud on my chase account. I lost my debit card and someone tried to deposit a counterfeit XXXX $ check. The check never cleared. In the meantime they managed to XXXX XXXX $ out of my money that I had on the account already. My account is restricted now its the holidays I cant spend and cash or withdraw any money. My claim number for the XXXX  transactions is XXXX. Also I contacted the executive office and my case number with them is XXXX. My account is totally frozen and I cant spend any cash

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It's not my inquiries, i never applied for this companies.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I HAVE NEW & UPDATED INFORMATION ON TRANSUNION AND XXXX. I XXXX XXXX the consumer, have evidence that TRANSUNION AND XXXX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to XXXX in response to ( complaint # XXXX ) & also sent correspondence to TRANSUNION in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both TRANSUNION AND XXXX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. TRANSUNION and XXXX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, TRANSUNION AND XXXX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, TRANSUNION AND XXXX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement TRANSUNION & XXXX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. XXXX and TRANSUNION are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer 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 explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended college from XXXX and XXXX  school from XXXX. During that time I had XXXX and XXXXXXXX XXXX. Im consolidated them with XXXX XXXX sometime between XXXX They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XXXX XXXX I applied and was approved after the required consolidation into an IDR plan manage by MOHELA. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required 120 PSLF. And I made some payments during the pandemic which I wasnt required to. MOHELA told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making 120 payments. But part of the PSLF waiver program that ended in XX/XX/, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your 120 payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. Thank you in advance for your assistance. 

I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. 

Sincerely, XXXX XXXX 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 2023-08-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Our XXXX XXXX XXXX had a mechanical malfunction, my car was holding water somewhere in the body and on XX/XX/XXXX my car flooded out and all the electronics malfunctioned, I could not get the car out of park, we did get it to a Nissan Dealership in Indiana where I was stranded. We tried calling Nissan multiple times and they would not get back to us so I had to put a claim in with my Insurance Company and had to buy a new car in Indiana so we could get home. I shouldn't 've had to put a claim on my own Auto Policy for a Nissan mechanical problem that I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been able to resolve my 2 CD issues however they still are with holding 2 Ira that I was the benificary on. The account have already been change to me but they are saying he is still the owner. 
I have been working with XXXX XXXX XXXX to get the funds transferred there but they are getting no response as am I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: VA
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:
This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX XXXXy not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good Morning, I have attempted to payoff a closed credit card account with ASPIRE since you last closed a claim for me in XXXX of this year. The company has continued with usurious fees and charges. On XX/XX/XXXX, I made a payment in the amount of {$150.00}. Today, I went online and spoke with three representatives altogether in an effort to close this account in its entirety as PAID IN FULL and receive a letter to that effect. 

I have had one misrepresentation after the other from this company. The latest text scripts provided as written documentation is attached. I am on the telephone with yet another representative now trying to pay this account in full and they are refusing a zero balance letter. 

UPDATE I have made in fact made the payment in full of {$170.00} as indicated in the chat documentation this morning. I have uploaded printouts of this documentation for your review. I did not, however include my checking account number though will provide this should you wish to contact me in a secure online environment. I was told by the representative that I will receive a zero balance letter within two days. 

This claim is being filed in an effort to establish the validity of a ZERO BALANCE PAID IN FULL status of this Aspire Credit card that ended in XXXX. 

Thank you in advance for your review and consideration, XXXX XXXX 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a dispute with TransUnion and nothing was updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: MOHELA
State: SC
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:
I originally filed a complaint about Mohela 's handling of my XXXX loan payment terms and the lack of adhering to the Federal guidelines. I filed complaint XXXX on XX/XX/XXXX. I just received a response from CFPB with the response from Mohela which leads to even more ambiguity. Mohela 's letter dated XX/XX/XXXX states that there records show that I am on an Exceptional Discretionary Forbearance until XXXX. However, this is conflicting information with what I have received from them since I filed my complaint on XX/XX/XXXX. I have attached documentation which shows the ambiguity which still leaves me not knowing where I stand on whether I need to start making payments or if I'm in Forbearance. The timeline is listed below : XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was being placed on Exceptional Discretionary Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was under a Processing Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a letter dated XX/XX/XXXX stating that I was under an Exceptional Discretionary Forbearance from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - Received a message from Mohela through the online inbox that my payments would be resuming on XX/XX/XXXX. Which is only a 13 day notice. 

XX/XX/XXXX - Received a letter from Mohela via CFPB complaint resolution stating that my loans were still in Exceptional Discretionary Forbearance through 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 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
I am name is XXXX XXXX XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

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