BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Maximus Education, LLC dba Aidvantage
State: WV
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:
The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( XXXX ) that I made during XXXX and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022, by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the XXXX XXXX and what not, borrowers are allowed to request their loan payments made during XXXX even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my XXXX payment ( XXXX ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I use bank of America mobile banking for all my transaction and my main source of money consolidation. I never requested or authorized XXXX to be an option for transfers, it has just always been there. I decided to use it one day, assuming it as a safe transaction since my bank has it as a default option to use if needed. I incorrectly typed the wrong phone number when sending money and was too quick to hit send. Immediately after the money was sent I called the bank and let them know I made an error and requested for them to stop the transfer as it was still pending. The bank informed me that this was not possible and as soon as the button was pressed, the money is gone. The bank has refused to help me as they see it as an " authorized '' transaction since the numbers were typed by me. I can not get help from anyone and this money was for 4 different people that I can not afford on my own to be without.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft pleas e remove this fraud inquiry from my credit report.

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 2022-12-20
Company: Newport Intermediate Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a credit from XXXX that was sent to North Lane and they issued a refund Master card  on behalf of XXXX in XXXX. 
I called North Lane to let them know I found the sealed envelope with the card in it ( which had expired ) and I would like them to issue me a check. They said that the card had been activated and there is a XXXX balance now because they took monthly fees from the card balance. I asked when the card was activated and she could not tell me when. That they don't have record of that. ( XXXX XXXX at North Lane on XXXX ) I asked to talk to a supervisor and XXXX XXXX came on the line. I asked when it was activated and she said they don't activate the cards so they don't have records of it. I said who does activate the cards so I can find out when it was activated. She said I would have activated the card. I let her know I never activated the card so how could they start charging a fee? She THEN told me that the card was issued in XXXX and that when the card expired in XX/XX/XXXX at that time they started charging the monthly fee!!! 
This whole thing is a complete scam, the address they sent the card to was a combination of 2 addresses. How can they issue me a card on a refund without my consent and then take a fee on a card I didn't even have activated?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/22 company violated my consumer rights 15 U.S. 1601, 1602, 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I don't know if this complaint is applicable to the XX/XX/XXXX announcement regarding Wells Fargo Bank but I'll try. I have been a XXXX customer since XXXX. I had a construction loan in XXXX, then a XXXX XXXX XXXX. In the midst of the financial crisis, I was one of the few customers who could qualify and pay XXXX back without going bust. However, the situation was difficult and my first interest only loan in XXXX generated a LOT of money for XXXX. 

In XX/XX/XXXX, I made a business deal that allowed me to pay down my interest only mortgage by almost 50 % and contacted my WF about refinancing. " No problem and absolutely. '' was basically their answer,. The amount of financing needed was probably 30-35 % of my home value, thereby looking like a pretty low risk deal for Wells Fargo bank XXXX The bank proceeded to jerk me around, delay the progress in getting the refi approved and they dragged this process out until XX/XX/XXXX. During those critical months I continued to pay {$10000.00} per month in interest only payments and despite my complaining, the timeline dragged on. 

I feel that they did this on purpose and saw little reason why this process could not have moved faster. They knew me, they knew my property and I was working with their XXXX Bank in XXXX XXXX. 

I feel they delayed and cost me anywhere between $ XXXX {$30000.00} in unnecessary interest only payments. Which I would certainly like to debate if possible.

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 2021-03-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good Afternoon. I am reaching out to you in hopes that my situation gets attention and that I can receive help. On Monday XX/XX/XXXX of XXXX I shipped a computer system for {$1600.00} to someone in Oregon. this person made me believe that he had paid me thru XXXX in order for me to ship the Computer. But this was not the case. I never received any funds and instead the same user posted himself as a XXXX representative. Later on, the that same night I received a fake email from XXXX stating that I had to wait until the parcel was delivered before I could receive the funds. ( {$1600.00} ). On Friday XX/XX/2020 The buyer received the computer, and I received a notification from the same Fake XXXX. Stating that my account had a limited and that the buyer had to send me the amount of {$3000.00} in order for my account to expand. Moments later I received a text from the buyer regarding the {$3000.00}. He agreed the send these in order to expand my account. when he did I received a notification in regards to those {$3000.00} stating that I had to send the buyer their {$3000.00} back via any other platform except XXXX. At this point I'm just thinking of doing the right thing and I send her {$2500.00} from my XXXX XXXX XXXX  Account and {$500.00} from my wells Fargo Savings account. via XXXX. as soon as I did I was expecting " XXXX '' to deposit the sum of {$4700.00} that they stated was going to be credited in to my account = {$1600.00} from the computer, {$100.00} XXXX service fee and {$3000.00} that the sender supposedly had sent. When logging in to my XXXX account. these funds where nowhere to be seen. so i contacted XXXX thru the original app and they responded confirming that the XXXX that has been supposedly claiming to be XXXX was a fake account. at this point I got really upset and did not know what to do when I realized that I had lost {$3000.00} worth of saving and my computer. 
I decided to call my banks on XX/XX/2020 to see if they could reverse the transactions. They agreed to take my claim but stated that there is no guaranteed that I will receive my funds back. I really broke me the thought of not getting those funds and specially during this Covid-19 situation. I tried calling the buyer but the line appears to be disconnected. If you need a copy of any of this, I have all of this available.

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.

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 2018-09-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX,,, And 2 Months Ago Had Unauthorized Transactions On My Debit Card,, Had To Be Issued New Bank Card,, Was Never Sent A Letter To describe What Really,, Happened,, So UnAcceptable,,, And, XXXX Someone Enroll Me Into The Identity Theft Program Without Me Even Authorizing This,,, And,, XXXX,,, Charge Me Overdraft Fees,, Who Is Responsible For This,,, I'm So Disappointed With This Matter

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 2021-10-08
Company: DISCOVER BANK
State: OK
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: Their investigation did not fix an error on your report

Complaint:
I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.

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 2020-12-06
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
This account does not accurately report that the account was settled on XX/XX/2018 for {$1.00}, XXXX. Nor does it reflect that I made three payments as shown on the attached Scheduled payment.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This was with Wells Fargo mortgage company who foreclosed on my grandmother property at XXXX XXXX XXXX. XXXX, XXXX, Alabama XXXX. I saw the new regarding the lawsuit against Well Fargo regarding bad loans and I think my grandmother is apart of this. Will you please have them contact me at XXXX? Her old account number for the mortgage loan is XXXX. She passed away in 2017 but before passing away the house was foreclose on. My dad and aunt are still living if any money is owed to my grandmother.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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 2019-11-13
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened this new line of credit with Comenity Bank to purchase some furniture with XXXX XXXX. My first payment started on and was due XX/XX/2019. I sent payment out on XX/XX/2019. This payment was processed on XX/XX/2019. I was charged a penalty and late fee. I called company and was told there was nothing they could do. Next payment was due on XX/XX/2019 I sent payment earlier on XX/XX/2019. Bank shows payment was received on XX/XX/2019, payment wasn't processed until XX/XX/2019. I was charged more penalties and late fees. Called company and was told nothing they could do I would just have to pay. Next payment was due on XX/XX/2019 I sent a payment that was returned on XX/XX/2019 without explanation. sent another payment on XX/XX/2019 bank shows delivered on the XXXX company again processed on XX/XX/2019 charged again penalties and late fees. Called to speak with a supervisor and was told either pay or be sent to collections and she was not going to do anything about it and if I didn't like it then maybe I should be more responsible about paying my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUnion allowed an unauthorized hard credit inquiry on my file - WHILE ME CREDIT FILE WAS LOCKED!! 

I contacted TransUnion and was informed that the manner in which the inquiry was submitted said it was authorized. It was not. Had I not caught this error, an unauthorized loan would have been issued to someone other than me! 

If TransUnions systems allow this they are clearly not actually locking the file, and therefore misrepresenting their service. 

I am working with the fraud department of the requesting institution to have this inquiry removed - something I shouldnt have to do because my file was supposed to be locked! 

Their practices need review.

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