BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: MOHELA
State: OK
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:
After I filled a complaint with the XXXX on XX/XX/XXXX, for MOHELA constantly not responding to direct questions on my PSLF application, I received a response from MOHELA. The response stated everything was on track for my PSLF application that was filed on XX/XX/XXXX of this year. I also made a call to MOHELA and the representative stated everything looked like it was on track and it may be a the end of XXXX before my account was updated. Then, on XX/XX/XXXX, I receive another email from MOHELA and the processing days have been changed from 90 to 180 days. Six months!? And after a response that everything was on track? It seems that MOHELA just responded with whatever they wanted to get me to close the complaint with no commitment to actually honor their word. It does not look good that this company is the one involved in the lawsuit against student loan forgiveness, then takes over the PSLF applications just to constantly delay the process for millions of borrowers. This was a very poor decision to have this company in charge of these loans and I suspect many will not receive the forgiveness that they rightfully qualify for under these circumstances. I will have to be turning in another application shortly all because my first one was never processed and will be well over the required 120 payments by the time loans are expected to resume payment status, with no resolution to this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late ( XXXX ). 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny 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 2023-01-29
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX two fraudulently written and signed checks had been cashed for {$7500.00} each to an unknown party. One was cashed on XX/XX/XXXX and the other on XX/XX/XXXX. An attempt to cash a third check was made on XX/XX/XXXX, but was unsuccessful because the funds had been depleted from my account. I filed a police report on XX/XX/XXXX, and an affidavit as requested from Discover bank. Discover refuses to reimburse me for the {$15000.00} that was taken from my account via fraudulent checks. They also have sent no correspondence about the matter during the entire process for the exception of the blank affidavit. I had to call and ask to gather the information that they are refusing my claim and received this information from a representative on XX/XX/XXXX. I am proceeding to file a small claims court case against Discover bank unless the funds are rightfully returned. Police report and affidavit attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Aldous & Associates, PLLC
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: Was not notified of investigation status or results

Complaint:
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, XXXX XXXX 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called multiple times daily. They talked about my debt with who ever answered the phone. They tried to make me give them post dated checks.i were rude to my girl friend. They forced me into filing bankruptcy to stop the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in disagreement with XXXX, XXXX and Experian credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well XXXX. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
fradulent accounts reporting on 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 2017-01-18
Company: RGS Financial, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LINEBARGER GOGGAN BLAIR & SAMPSON LLP is trying to collect a debt that does not belong to me. I do n't live in XXXX, and or have a license plate No : XXXX or ever lived in the city of XXXX. I live in Arizona and have lived in XXXX since 2004. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX alleges owns XXXX XXXX XXXX XXXX XXXX NM I want to know how much they bought the property from Bank of America. I bought it for XXXX and it appraised for 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 2022-08-03
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I made a visit to the XXXX XXXX  later on I received a bill for {$1600.00} and around the same time I received an email with the EOB from my insurance which states that they issued a check to the hospital and I was in charged of paying the remaining balance {$290.00}. I kept receiving bills from the hospital for the same amount one day I called and the said they are not in charge of that bill that the bill was sent to collection ( which I never got a noticed from it until a week later after I called ) when I talked to collections we set up monthly payments and they still charged me the full amount. I explained the situation and they were kind of rude and told me to send the paper work through fax which I did and I havent receive any response yet, and I already made some payments. 

The agencies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: The CMI Group, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Foursight Holding LLC
State: TN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated mu rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account or loan under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, my paypal account has become permanently frozen after receiving money for the first time ( {$110.00} ) through their services. 
They say I will not have access to this money for 180 days as my account is now closed, although it's been reported by many that they end up keeping the money after this time period as a fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I lost my chase account after losing basically my personal life. i lost chase debit cards, my ID and a XXXX and XXXX that had many important information. I don't have accuses to my chase but my account was negative around XXXX i called reported everything and the next day my account went back to normal. another date my account is negative XXXX and something dollars and i call to see what happen and after hours upon hours of calling and trying to fix my issue they close my account with no reasoning. My name is XXXX XXXX i was a chase member since highschool and now i'm struggling more than ever without an bank in college. this happen around the beginning of XXXX and ended around XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX  : Citibank XXXX NY Branch Date promotional deposit of {$50000.00} made : XX/XX/XXXX I made a deposit of XXXX into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$50000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$500.00} into my account. 

I have contacted XXXX XXXX XXXX, Manager Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

She also refuses to make contact with me over the phone despite repeated calls to the branch ( Citibank XXXX NY ) Please help me get the promotional fee of {$500.00} that they advertised they will pay, and ask them to honor their commitment, after keeping my {$50000.00} for over one year now. 
Thank you.

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