BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: MOHELA
State: TX
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:
Mohela refuse to acknowledge that I am owed a student loan payment refund under Borrowers Defense Sweet XXXX XXXX XXXX XXXX Mohela has not sent me a financial report regarding my BD refund. My loans were discharged by Mohela on XXXX. Mohela has yet to send the refund of all the payments I made on my federal loans to include being refunded the interest. Mohela has also made mistakes on my credit report. I have disputed my credit report more than three times. The student loan tradelines are supposed to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23. I went to a XXXX XXXX made a purchase. store was very busy. After I purchased the items I was driving home and got an alert from chase that someone was trying to take {$1000.00} from an ATM in XXXX XXXX on XXXX XXXX. 
I immediately informed them it was not me using the card because I had just left the store with my purchase. 
I called Chase and they were going to investigate it. They said the money would be put back in 12 hours. The following day the money was in my account. Then it was removed the same day. 20 days later my account was in the red! They deducted the withdrawal on XXXXXXXX XXXX. They removed my money I called the fraud department, and they denied my claim and said their wasn't anything they could do since my pin number was used! They suggested that I wrote the pin # on the card somewhere. I would have never known if thos transition was done if they wouldn't have notified me. The ATM thst the person used has camera 's or video. Also the XXXX XXXX has camera 's on when I was in line and left the store with the people around me. Social security is my only income and they are letting this thief take my money. This is fraud. My card was stolen at some point and I have never given my pin to anyone or family member. I know I'm just an old XXXX but this bank is doing the wrong thing to me. They notified me! They knew it was fraud and have pictures who took my money out of the Atm in XXXX XXXX. Please help me collect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
My Information Was Used Fraudulently. I Didnt Make These Inquiries 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA
XXXX  
NAVY FCU
Inquiry: XXXX XXXX XXXX  -
XXXX XXXX XXXX XXXX XXXX XXXX  
NAVY FCU
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
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 2019-01-13
Company: Experian Information Solutions Inc.
State: NY
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:
Hello I recently was looking at my score through XXXX today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called XXXX customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it. 

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.

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 2023-07-21
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: GA
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:
Unauthorized inquiries on my report Start Auto Finance 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 explanation
Consumer complaint received 2019-01-13
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received a collection notice on account being reported to my credit report, found out about collection account from pulling credit report, This collection company is in violation of the FDCRA 15 U.S. Code 1692g - Validation of debts This company has not sent the required information to me, 1 ) the right to dispute 2 ) who is the original creditor there address amount claiming I owe and any supporting documents, If they don't remove the unverified account and there trade line name from my credit report, I will file an affidavit in court for the violation, and request that CFPB, investigate the company for illegal collection activity and violations of FDCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America still has not sent 1099 as of XX/XX/2021, even though they were required by law to send this statement as of XX/XX/2021. I have called them many times, and they say go to the website. I can not use the website since the account is paid off and I have no internet access anymore since the account is closed. 
I have had trouble with Bank of America not answering my questions for over 15 years, and this is not the first time they have been non-responsive. In the past I had two mortgages and asked them why the PMI on one mortgage when down every month whereas the other one never changed. They were never able to answer the question. When I paid off the last mortgage XX/XX/2021, they were unable to realize the mortgage was paid off until two weeks later, so I had to pay an extra month 's interest

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 2023-09-19
Company: Avant Holding Company, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
AVANT charged me interest of {$7.00} on my XXXX billing statement when there is NO balance on my credit card account. This is theft on the part of AVANT because I paid my balance of {$560.00} in full twelve days early. Therefore I do not owe AVANT any interest and I told them I will not pay the {$7.00}. AVANT has refused to refund me the {$7.00} that they owe me back to my credit card account. AVANT is also trying to force me to pay them {$7.00}. AVANT told me that I have to pay my balances in full for two consecutive cycles to not be charged interest WHICH I KNOW IS A COMPLETE LIE BECAUSE THAT IS NOT TRUE. If I paid my balance in full twelve days before the due date I dont have to pay AVANT any interest on a {$0.00} balance. And AVANT wants me to pay them interest on a {$0.00} balance. I am requesting to apply to be a part of the XXXX XXXX lawsuit that the Federal Trade Commission won against AVANT so that AVANT can refund me my money back. AVANT IS A FRAUDULENT AND DECEPTIVE CREDIT CARD COMPANY THAT WANTS TO STEAL MONEY FROM THEIR CONSUMERS. AND I WILL NOT LET THIS HAPPEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My SAVE plan monthly amount due is {$500.00}, which is indicated on my MOHELA account page. My first payment after pause was due XXXX, but the amount due was {$580.00}. On XXXX I sent MOHELA a message asking for the payment due to be adjusted to the SAVE amount of {$500.00}, but received no response. I made the full payment of {$580.00} on XXXX to avoid any consequences of a late/missed payment, and on the same day messaged them to ask for a refund of the difference of {$81.00}. I received no response. 

My next payment is due XXXX, and the correct amount of {$500.00} is the amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was settled cause of car accident and it was paid off by Insurance company of the person who totaled my car.

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 2018-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is Portfolio Recovery they called from a XXXX XXXX phone number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On the SAVE plan, my monthly payment is {$290.00} and is indicated on my account as such. When forbearance ended, my payment was due XXXX but the amount due was {$370.00}. On XXXX I sent MOHELA customer service a message asking to have the amount adjusted to the SAVE plan amount of {$290.00}, but received no response. I made the full payment of {$370.00} on XXXX to avoid any consequences of a late or missed payment. I also sent them another message on XXXX after I made the payment asking for the difference of {$85.00} to be refunded, but received no response. 

My next payment is due XXXX and the correct amount of {$290.00} is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MI
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:
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX. They do not provide me with the orginial application like I asked. I Also asked for a sign document with the collecting parties and myself. If parties can produce a signed document proving i contracted them collect this debt then i will be in contract to pay debt by dollar. Upon further investigation i would like to have all documents reviewed to assure that there is no fradulent reports made on my behalf in the near future. A lwayer friend of mines told me i have the right to request who authorized this collector to submit this claim to my credit report without my permission. I will be charging a {$1000.00} fine for each infraction on my credit report if this was unauthorized according to the law stated by the 15 U.S.C. Sec. 1681i ( a ) .I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: OR
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:
Mohela did not notify me the required 21 days in advance of payments resuming in XXXX. I contacted them via email on XX/XX/XXXX to inquire about my payments resuming and to make sure that this delay was not going to affect XXXX counting toward my PSLF. I did not receive a reply until XX/XX/XXXX and it just said to call Mohela. I had received a letter too that gave my payment amount and estimated my SAVE plan start date to be XX/XX/XXXX but still payments were not resumed on the site even though I am enrolled in auto pay. There was an estimated 80 min wait time on the phone, I received a call back about an hour after I placed the call. The servicer stated that my payments werent resumed because I was in an administrative forbearance until XXXX ( 17 years from now! ). They could not tell me whether I was in a forbearance in which the months still counted toward PLSF. I requested that XXXX and XXXX be counted toward PLSF since Mohela is at fault for the delay and did not resume my payments in time. They replied that this is not possible since I didnt make payments for these months, but I was never notified of my payments resuming and in fact, Mohela never resumed them. My payment amount is also incorrect on the website, I received a letter stating my payment was {$590.00} and on the site my payment amount says {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: BMW Financial Services NA, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Title 15 COMMERCE AND TRADE - CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER 1 -CONSUMER CREDIT COST DISCLOSURES 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Board under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
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 provided that, effective on the designated transfer date, this section is amended by striking Board each place that term appears and inserting Bureau. See Effective Date of XXXX Amendment note below. 
EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L. 
111203, set out as a note under section 552a of Title 5, Government Organization and Employees. 
1612. Effect on government agencies ( a ) Consultation requirements respecting compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: PA
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:
I have been trying for several months to get Nelnet to provide information on the number and amount of payments to my prior servicer ( XXXX ) as they have not been provided to me. I have at this point emailed them twice in XXXX, once in XXXX and again in XXXX and received no reply beyond canned responses saying their answering of emails is delayed and beyond that I have received no information. Several of my requests were made through their online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: MD
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've worked for XXXX in the past and wanted to use my XXXX XXXX XXXX towards student loan. Despite telling me that it takes 2-3 weeks to process the payment, MOHELA ( the loan servicer ) failed to process it after 1 month. Every time I called for the past month, they kept referring to the failed payment I made on XXXX ( which had the payment sent to the incorrect address ) although I already resubmitted a new and correct request on XX/XX/12. Agents on XXXX  chat box told me they would need someone from MOHELA who is an XXXX Admin to process and accept the payment, but every agent I talked to from MOHELA said there's no such person in their organization and can't figure out what to do with XXXX  payments. It is extremely frustrating that a student loan agency failed so greatly that they can't process a simple payment request in timely manner. Not to mention that XXXX payments are taxable and affects people 's tax return if not processed within the tax year. At this point I don't even know if MOHELA is acting in bad faith, just straight up incompetent, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Cascade CISS Holdings, LLC
State: OH
Product: Credit reporting 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:
XXXX XXXX has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
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:
XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from XXXX XXXX XXXX that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that XXXX XXXX XXXX center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
XXXX can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.

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 2023-07-21
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a rental property scam in XXXX, NC. I submitted an application through XXXX XXXX XXXX XXXX company and was contacted the next morning by an individual by the name of XXXX XXXX stating that the property I applied for was taken and he had another property available. He provided me with the code to the XXXX  I agreed to wanting the house he sent me an invoice for the security deposit of XXXX which was to be sent via XXXX. This invoice was on XXXX letterhead. After receiving and signing a lease I sent another {$1500.00} for the first months rent. After contacting XXXX and being made aware it was a scam I reached out to PNC to dispute the charges on XX/XX/2023 and I also opened a police report with the XXXX, NC Police Department. XX/XX/2023 PNC sent communication letting me know that my request had been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX bought XXXX XXXX from XXXX XXXX . I was told I could finance interest free. Payed {$2000.00} down financed {$4900.00} through a co. called XXXX and signed a contract without completely reading it. Set up auto withdrawal from my checking of $ XXXX month and thought everything was taken care of. When I still owed {$390.00} after 24 months {$1600.00} in interest was charged to me. I see now the whole thing is designed to take advantage of people like me that get carelesswith signing what you think is a simple contract. I thought is was signing up for financing like you do buy a car not not some credit card co. that is waiting to pray on you.

Company response to consumer: Closed with explanation