BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: MOHELA
State: IL
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:
Following up on a previous complaint on XX/XX/XXXX : XXXX. 

There was absolutely NO communication from MOHELA prior to XX/XX/XXXX that I had until that date to request the XXXX refund because I made payments from XX/XX/XXXX through XX/XX/XXXX while working in the public service. 

Quit stealing my hard earned money!! Can we have some middle ground? 

Again I made monthly payments of XXXX from XX/XX/XXXX until XX/XX/XXXX. I should be entitled to roughly less than XXXX but more than XXXX. 

There was too much confusion in between XXXX and XXXX. There was no reason to contact the prior company since MOHELA took over. The first communication I received was by US mail on XX/XX/XXXX explaining that the payments are no longer paused and set to resume in XX/XX/XXXX. 

Call me if unclear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: MOHELA
State: IA
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 have several student loans that have been consolidated for the purpose of Public Service Loan Forgiveness. I am a public school teacher ( since XX/XX/XXXX ) and have routinely certified my employment for PSLF to ensure that I am still on track. However, on the PSLF tracker on my account, XX/XX/XXXX through XX/XX/XXXX are marked as " employment not certified. '' This is untrue ; I have certified my employment for that time period twice since then ( once in XX/XX/XXXX and again in XX/XX/XXXX ). 

I have been regularly reaching out to MOHELA customer service agents for support, using their chat portal, message center, and phone line. Most of the time, my messages are ignored, or I receive a stock response after 4-12 weeks that my " case is too complicated '' and I need to call in. When I do call in, they either tell me that they don't see the issue on their end or that I just need to wait anywhere between 5 days and 9 months for it to be fixed ( that is to say, when I'm able to get through the phone line- it usually takes over an hour to reach an agent, and I don't have that kind of time in the day ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: MOHELA
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My federal student loans were transferred to Mohela from XXXX. In XX/XX/XXXX, I completed an application for an IDR plan with the Dept of Education and Mohela, specifically the SAVE plan, as I have always been on an IDR plan with these loans since I began repayment in XXXX Mohela repeatedly denied my application, even though they had all the information and documents they needed to confirm my eligibility and calculate my payment. I repeatedly called them to attempt to resolve the issue, and I received conflicting communication via telephone and letters. In XXXX XXXX Mohela placed me on administrative forbearance because they could not timely process my application, even though I would rather not have been in forbearance because it doesn't count towards PSLF. In XXXX, Mohela informed me that I had been placed on the SAVE plan and would have a XXXX XXXX  monthly payment. But then they unilaterally removed me from forbearance at the end of XX/XX/XXXX, but did not begin my SAVE plan until XXXX XXXX. In the meantime, Mohela withdrew {$1200.00} from my checking account on XX/XX/XXXX for a payment on a " standard '' or " level '' plan that I never asked or consented to be on, and that I never should have been on, because I was always on an IDR plan ( including when my account was transferred from XXXX to Mohela ), I had already completed my application to be put on an IDR plan, and Mohela had already determined that I was eligible to be on the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: MOHELA
State: ME
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 applied for the save/repaye program before payments were about to begin. I was informed that while my app was processing, I would be put in administrative forebearance. Then I receive a statement showing I would owe {$780.00} for XXXX, which was {$500.00} more than the repaye/save quoted me. I checked the status of my application and it said it was still being processed. So I didnt understand why I would owe the old payment amount and need to start paying when the application hadnt been processed. I sent XXXX separate messages to Mohela after way too many attempts to try to call but the wait times are outrageous and I work full time with XXXX kids under XXXX. I also messaged studentaid.gov and am awaiting a response. 

I check my bank account today because I tried to use it for gas and it was declined! and I see theres a withdrawal of the {$780.00} from my account for a loan payment! I never authorized this payment! It put my account in the negative, right before XXXX and needed expenses like groceries and last minute gifts. Thats the worst and most stressful. I called my bank and asked if they could stop it because I didnt authorize that payment amount and they did but would charge me {$30.00} AND my account will continue to reflect negative until Tuesday XX/XX/26- talk about the worst. 

I need help and need people to hold Mohela accountable. This is unacceptable and I deserve better. all of us borrower deserve better and I know Im not the only one. I should be in admin forebearance until they figure their stuff out and process my app. I cant be expected to pay an incorrect amount when its not feasible for my family and the need we have. Please help. Thank you. 

What XXXX even more is Ive worked for XXXX XXXX XXXX XXXX XXXX  for over 12 years in XXXX XXXX and I cant get forgiveness because back then, XXXX loan companies lied to me and gave me incorrect info. This is all terrible way of handling borrowers livelihoods who are trying to work. Support their families and live a decent life. Im nowhere near rich and need help and advocacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: MOHELA
State: IN
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:
My student loans started off with XXXXXXXX XXXX I signed up with the SAVE plan for my repayment plan. With the SAVE plan my monthly payment was XXXX dollars. I applied for PSLF and was approved. I just got an email today that my loans were switched to MOHELA. I set up and account and found that my payment changed from XXXX dollars to XXXX dollars. I called about this and spoke with someone who advised me to upload my SAVE plan approval from ED Financial to my MOHELA account and that I would be transferred to the resolutions team to get my account fixed. I waited on hold for 3 hours just for an automated voice to come on the phone and say a supervisor was not available and for me to call back. Then I was hung up on. I called back 3 times and spoke with three different people who all gave me different information and who all ended up transferring me to a supervisor to which I yet again got sent to an automated voice saying a supervisor wasnt available. I have yet to get in contact with a supervisor. Nothing about my income or loans have changed. It should have been a seamless transition from XXXXXXXX XXXX to MOHELA. My Mohela account shows Im enrolled in SAVE but my payment amount now reflects XXXX instead of the XXXX dollars it had been the last 3 months with XXXX XXXX. I have a letter from XXXX XXXX that I was approved for save with a XXXX dollar payment for 12 months. I need Mohela to fix my payments as something has gotten mixed up or entered in correctly in their system during the loan servicer transition

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: MOHELA
State: OH
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 was placed on administrative forbearance by my servicer XX/XX/2023, but they didnt alert me until XX/XX/XXXX, after Id already made a payment ( Ive requested a refund but have yet to hear back ). I was placed on forbearance through XX/XX/2023, but my account home page has an alert saying my payments wont be due until after XX/XX/2023 because they are still working on updating my account. Despite this, I received a bill today ( XX/XX/XXXX ) thats due mid XXXX that says I am past due {$790.00} dollars. 

Further, they only counted 1 out of 8 of my certified months of employment for PSLF. I have yet to see that be corrected after months of waiting after I complained. 

The wait time is hours every time you call, and different people have told me wildly different things. 

My monthly payment has gone from XXXX to XXXX to XXXX to XXXX, all throughout this forbearance period. I dont know what information to trust. The communication issues have been astounding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Have tried to get forgiveness. Set up payment plan mohela but can't make payments. Owe {$97000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: Kikoff Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
AS YOU CAN SEE THIS COMPANY ISN'T REPORTING XXXX, ALSO REPORT DATES, OPENED DATE AND PAYMENT DATE INCORRECT. 

Account # : Account Type : Account Type Detail : XXXX Revolving XXXX Revolving Charge account Charge account Bureau Code : Individual Individual Open {$0.00} XX/XX/XXXX {$0.00} Account Status : Monthly Payment : Date Opened : Balance : Open {$0.00} XX/XX/XXXX {$0.00} No. of Months ( terms ) : High Credit : Credit Limit : {$24.00} {$750.00} {$0.00} {$0.00} {$750.00} {$0.00} Past Due : Current XX/XX/XXXX Charge Amount in H/C column is credit limit XX/XX/XXXX XX/XX/XXXX Payment Status : Last Reported : Current XX/XX/XXXX Comments : Date Last Active : Date of Last Payment : XX/XX/XXXX XX/XX/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 2023-12-26
Company: Support Collectors, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
No response received via mail. The outcome was that my credit report was updated as verified. The information in fact was not verified nor was I provided the proof I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This matter arises from PNC Bank , National Association breach of contract security agreements, violations of Truth in Lending Act ( TILA ), violations Fair Credit Reporting Act ( FCRA ), fraud, gross misrepresentation, tender of payment obligation, unjust enrichment, defamation of character, Slandering and Libel, Extortion, Conspiracy, Racketeering, GAAP Fraud negligent and Civil liability for willful noncompliance with the law. 6. Carlyne Desir signed the Security Agreement contract under non-disclosure, false pretenses, and fraud with PNC Bank. PNC Bank violations of Truth in Lending Act ( TILA ), TILA required full disclosure. As a result of PNC Bank breach of contract security agreement, I have been damaged.I would appreciate for PNC Bank to reimburse me back ALL my money and pay total sale price of contract {$69000.00} or I will take court actions with legal fees {>= $1,000,000} ( XXXX XXXX Dollars ). All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name under penalties of the Law, including but not limited to perjury. My federal court XXXX lawsuit against XXXX XXXX  for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated. See AFFIDAVIT OF TRUTH AND FACTS attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Validation Request XX/XX/XXXX  Account # XXXX To Whom It May Concern : I paid for one and received service for one month ; I don't understand how I owe a debt to XXXX XXXX XXXX With that being said, I'm disputing your claim and requesting validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with the above-requested proof. Upon receiving it, I will get back to you. 

Sincerely, 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 2023-11-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding their questionable business practices, specifically their freezing of available credit on my account despite making two substantial payments. I believe that this action is unjustified and hinders my ability to effectively manage my finances. 

On XX/XX/2023, I made a payment of {$4000.00} towards my Synchrony Bank account, followed by an additional payment of {$2500.00} on XX/XX/2023. These payments were made to reduce my outstanding balance and increase my available credit. However, to my dismay, Synchrony Bank froze my available credit instead of reflecting the payments on my account. This too over 2 weeks for this to be reflected on my account.

The freezing of available credit despite making substantial payments is not only confusing but also puts unnecessary constraints on my ability to utilize the credit I have diligently maintained. This action by Synchrony Bank hampers my financial flexibility and restricts my access to the credit I have earned through responsible financial management. 

I strongly believe that this freezing of available credit is an unfair and deceptive practice that goes against the principles of transparency and customer-centricity that should be upheld by financial institutions. It undermines the trust and confidence I have placed in Synchrony Bank as a loyal customer. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate actions against Synchrony Bank for their unfair business practices. I urge the bureau to ensure that banks are held accountable for their actions and that consumers are protected from such unjust practices.

I am prepared to provide any additional information or documentation required to support this complaint. Please feel free to contact me at XXXX to discuss this matter further. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will take prompt action to address this issue and protect the rights and interests of consumers.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In Accordance with the Fair Credit Reporting act XXXXXXXX  Account # 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 an account without my written instructions.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the second complaint I have made about XXXX XXXX. I am an endorser on a couple 's loan for my stepson. I paid off the loans in full in XXXX and XX/XX/2023. XXXX hasn't reported the loans to the credit bureau. On their website, they said they report every month to the credit bureau. The last time they reported to the credit bureau was in XX/XX/2023. Every time I call, they say the amount is to large and it'll take XXXX days. It has been over XXXX  days. Am I supposed to take legal action against the XXXX XXXX or the Department of Education to have the situation solved? I need to buy a house, but because of that, I can't do it.

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