BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have sent an online message to MOHELA on XX/XX/2023 with no response. Today XX/XX/23 I got the following message from MOHELA : " Your recent secure message received on XX/XX/2023 is expected to be reviewed and responded to within the next 15 business days. ". 

This means that it takes TWO MONTHS to receive a response from my loan servicer. When you submit an online message MOHELA 's website says " response with in 3 to 10 days ''. So their website is relaying inaccurate information and their response time is 2 months to answer an online message which is simply unacceptable for a loan servicer I owe thousands of dollars to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Turner Acceptance Corp.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : Opportunity Financial # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX was the 1st attempt to wire transfer the amount of {$20000.00} to a family member for financial support. ( Account restriction placed ) On XX/XX/XXXX Account restriction lifted ( advised by the CSR at Capital One to initiate a 2nd attempt ) on XX/XX/XXXX was the 2nd attempt to wire the amount of {$20000.00} to the same family member for financial support. ( account restriction placed ) After making contact and disclosing all the necessary information and proof of validation, It was determined the restriction could be lifted and I could proceed with another transaction. 

I made the 2nd attempt to wire the same amount to the same family member. I called Capital One to make sure there would be no issue. Capital One assured me that there would not be an issue and to go ahead and proceed. After several hours I get a notification that the restriction was placed a 2nd time.

At this point, I contacted Capital One to see what the issue was again. They then told me my account would be closed and the investigation would be launched a 2nd time for the wire transfer.

My funds are unavailable until the investigation is complete. I was not given an estimate as to when it would be or who the active investigator is. They said this was not something they provided.

They questioned my source of income and the source of the added deposit to the account from a friend. which I provided. No fraudulent activity. All digital currency was converted to USD and deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a American Express Gift Card at my local XXXX for {$200.00}. I tried to use the card on countless merchants online and the card got declined by each one. I call the American Express Gift Card support and they were no help. They told me the card was activated despite the declined transaction and they advised me to just keep trying at different merchants which was no help because I was already trying that. Now I am stuck with a gift card that wont work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: MOHELA
State: FL
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 received a mail from the US Department of Education stating that me loan has been discharged as shown in the attachment, if Mohela have alternative information that contradicts this please provide it. Otherwise please update the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Nelnet, Inc.
State: MI
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:
Nelnet -- # 1 -- Can not contact to ask questions about how my loans are being handled. Even when I am able to contact the rep is not able to answer the questions. Most times I am on hold for XXXX minutes and the system times out and hangs up on me while I am on hold. 
# 2 -- When trying to contact yesterday the phone number listed for Customer Service on the Nelnet website directed me to a Marketing Company promoting a {$100.00} gift card if I allowed them to mail me information. I told the Rep I WAS NOT interested in a gift card. 
The Rep to could offer no information or a number to talk to Nelnet about questions on my account. 
# 3 -- I have 16 loans on XXXX children now being serviced by Nelnet. They pay their own and i have their bank accounts on the payment website. Upon review of the payments that have been made all amounts are being credited to satisfy accrued interest and {$0.00} are being applied to the principal. Five of the loans are for my son who previously paid for 6 years through Fedloan.gov and had satisfied most of the interest and was starting to pay on the principal of his loans. It appears NONE of the history of payments was ever transferred from Fedloan.gov to Nelnet. 
# 4 -- Upon on review of the info on Nelnet about interest I found the statement that bluntly indicated " If you want any of your payments to go toward the principal of the loan, the only way to make that happen was to pay OVER the minimum amount due ''. 

I have been in contact with Nelnet and Fedloan.gov throughout the time when the loans were in Forebearance and my family is paying and HAS ALWAYS paid their loan payments on time. If our governing officials believe that this is the way to help people out, they are sorely mistaken. This system is broken in many ways. I have attempted to contact several organizations, including congressmen/women and even my state reps and GUESS WHAT -- all emails have bounced and phones disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I submitted a dispute through Chase for concert tickets because XXXX never made a mention of an obstructed view when I bought them, only to have an obstructed view when I got there. 

XXXX said they dont provide refunds and Chase said the charge was valid, so I lost the dispute. 

The problem, however, is that on XX/XX/, I was provided the credit for this dispute. On XX/XX/23, I called Chase to ask about the status of my dispute as I wasnt sure what the sudden money in my account meant. 

The Chase representative told me I had won this dispute and that the decision had been made on XX/XX/. I asked if I could therefore receive the money to my checking account and they said yes. Two days after that, on XX/XX/23, I received an email asking me to confirm that Id like to receive the money to my checking account, if not it would be sent as a check. 

If this was a temporary credit, why was the money released this way? Additionally, the Chase representative told me I won the dispute only for another representative over a week later to tell me I had lost. Their incompetence has caused extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an Amex gift card from work and it says it is accepted at all merchants where Amex is accepted but I can not get it to work anywhere. I have tried XXXX, XXXX and XXXX. A search of this issue shows that I am not alone as many people are having trouble using the same card. Amex does not seem to have a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I received a {$500.00} per paid AmEx gift card from my place of work. On XX/XX/XXXX and XX/XX/XXXX I attempted to use the prepaid gift card at XXXX XXXX in person, XXXX XXXX online, and XXXX. Each time was declined and charged XXXX cents for each attempt. 
I call customer service on XX/XX/XXXX at XXXX ( AZ time ) but only got to a pre recorded message stating that heightened security measures wont allow me to use it at some places. The places I tried to use it are huge. The fact that I can not use it at those 2 places is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: SinglePoint GI
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX did not delete my information in a timely manner thus causing the amount of {$3700.00} to be added to my student bill. I withdrew from the school and did not go another semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: MOHELA
State: CA
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:
See case XXXX Today it will be 4 months of complaints against Mohela My loan payments should be {$50.00} a month They continue to be unresponsive or truthful with your agency or me Recently they claimed I was in school ( not true ) I am attaching the current bill in excess of {$600.00} a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

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 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please find the attached documents. I kindly request that the bureau initiate an investigation into these accounts, as they incorrectly report me as being late, despite my punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
Company XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX Company XXXX ON XX/XX/XXXX In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts above have violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 section ( A ) ( a ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these information on my credit report does not belong to me, i have been a victim of identity theft.

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 2023-12-18
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I believe that Wells Fargo unjustly charged me for flood insurance. In XXXX of XXXX, I received a letter from WF stating that I did not have flood insurance and per their policy, if I did not send proof that I was not in a flood zone, my escrow account would be charged. WF stated that in XXXX of XXXX, they received a letter from my past flood insurance agent stating that I was not covered by them because of lack of payment. WF told me that they did not act on this information at that time. Previously, out of an abundance of caution, I had purchased flood insurance even though I was not in a flood zone, and my house was raised XXXX feet above the ground. When the cost rose, I chose not to renew the policy. 

My account was charged {$1300.00} on XX/XX/XXXX, to cover a flood policy dated XX/XX/XXXX XX/XX/XXXX. I sent in a XXXX  from XXXX dated XX/XX/XXXX, which showed that I had not been in a flood zone since XXXX. WF stated that since the XXXX was dated XX/XX/XXXX, and the policy was for XXXX XXXX, it was their rule that the payment stand as is. Again, I received the request from WF in XXXX of XXXX and therefore could not have sent it before XX/XX/XXXX. I spoke with several employees of the XXXX  flood map team, and they all said that my XXXX was proof that I was not in a flood zone during the time in question. 

After many months of talking to Wells Fargo customer service, their insurance department, and many escalation representatives to try to resolve this issue, WF opened a case at the executive level on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I was told that the ruling stood, and my account would not be refunded. My loan was transferred to XXXX XXXX the day after that decision was made on XX/XX/XXXX. During the time that I was debating this, I was told by a supervisor on the executive customer service team that he knew this was unfair, but it was WF policy. I feel that this is unethical, and I would like WF to send a refund. Please advise. 

( I was also charged {$1100.00} in XXXX of XXXX for flood insurance, but it was refunded because of the XXXX from 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 2023-12-18
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My XXXX XXXXXXXX XXXX was involved in a XXXX XXXX  and to make a long story short I was offered a settlement and was told why I was offered the settlement only to be told that Ford was over financing.me and every time I try to reach out to Ford, I do not get a response.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase has a misleading payment visual for their credit card system that clearly generates accidental late fee revenue for them. 

if you attempt to pay your credit card, after selecting the amount, you click on a button that says " Pay this bill. '' You then receive what looks like a confirmation page but there is a second button if you scroll down that then says " Pay it. '' If you do not click on this second button, your payment will not go through. 

I have informed them multiple times that this generates confusion. I believe they have done it as purpose to generate revenue and that it should be considered a deceptive business practice. It's designed to make you think you have paid your bill when you have not so that they can charge you late fees.

Company response to consumer: Closed with explanation