BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America is failing to provide me accurate and true statements from XXXX and XXXX. Bank closed on my twice for my checking and savings and I have proof they e committed theft and fraud with both previous accounts checking and savings and made up transactions not valid as confirmed with XXXX XXXX XXXX transactions from XXXX, XXXX in XXXX, XXXX in XXXX, XXXX and XXXX in XXXX, checks returned not deposited but also debited from my checking account also in XXXX. For XXXX Ive confirmed with XXXX and XXXX they were never paid as the bank claims they have. My money has not been refunded back to me since the account got closed in XX/XX/XXXX. The bank also fails to provide a statements for XXXX since I opened with them on XX/XX/XXXX with {$800.00}.

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 2023-11-01
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
complaint # XXXX first. complaint. 



You are providing false information. The above lawsuit was not for XXXX XXXX. I did not mention at all XXXX XXXX. This is regarding the lawsuit that was filed against Phoenix recovery group associated with XXXX XXXX. This is what I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: GOLDMAN SACHS BANK USA
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to access funds in my Apple Card Savings account. The request was denied. When I call to speak with their Specialist they told me they have to right to deny any transactions, at anytime, without explanation. I have never encountered this EVER. I would like all of my money out of the account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: BlueChip Financial
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Random companies call me all day long trying to connect debt that I do not owe or know anyone else that does owe any

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/23, Mohela sent me a letter which stated that in light of my recent Public Service Loan Forgiveness certification, I had been placed in an administrative forbearance until XX/XX/23. 

I operated in reliance on that letter. 

Well over a month before that forbearance period had ended, Mohela sent me a notice that I have a past due payment and now owe {$730.00}. 

I have requested that Mohela take immediate action to rectify this erroneous billing practice and to ensure that my credit has not been negatively impacted. 

It is unacceptable that payments were assessed during a Department-mandated forbearance period which are now being characterized as overdue and potentially impacting my credit. 

This strikes me an attempt to intimidate borrowers into making payments to which Mohela is not legally entitled ( due to the forbearance ordered by the Department ). In my view, this billing practice constitutes fraud on the part of the servicer, which warrants legal action. I suspect that this practice is being used on a systemic level against all PSLF applicants. 

The Bureau must take action to address this and to ensure that Mohela is not engaging in fraudulent billing practices as it relates to PSLF applicants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've attempted to make XXXX payments on my outstanding loans with my servicer, Aidvantage, but each has been reversed with no explanation or e-mail notification despite payment confirmation through e-mail and confirming that my bank account information was correct. 

The payments were : XX/XX/23 for {$1000.00} XX/XX/23 for {$1200.00} XX/XX/23 for {$1000.00} XX/XX/23 for {$1000.00} I've just submitted another payment for ~ {$1200.00} on XX/XX/23 with freshly confirmed bank information, and have yet to hear back from my loan servicer regarding the bounced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I received an email from Mohela saying that they processed a forebearance that I did not request. I called to have it removed and they said the issue was fixed. I received another email about a forebearance being processed on XX/XX/23 that I missed somehow. I have been waiting for an email from Mohela about billing for this month since I knew payments were restarting, and I am on auto-pay. There is nothing in my account to indicate I am even in forebearance, as I logged into my account in XXXX to make sure my bill would auto-pay! So, not having seen a bill, I searched my email history to see if I just missed the bill notice and saw the email from XXXX about yet another forebearance I did not request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: MN
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 XXXX repayment plan 3 times. The first 2 times, I was rejected without any explanation. The third time, I did the process entirely over the phone. I was told by the customer service representative that my payment would be {$0.00}, which does match exactly with my research and calculations. 

I received an " IDR Approval '' today, for the incorrect amount ( ~ {$63.00} ). This letter contains no information about which plan I applied for, so it's possible they got the plan itself wrong, not the payment. Either way, this is clearly incorrect and doing this 3 times and still receiving the exact wrong result is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Formal Complaint Regarding Improper Use of Personal Information and Violation of 15 USC 1681 ( a ) ( 1-4 ) | Dear ChexSystems Representative , I am writing to formally lodge a complaint against ChexSystems concerning the unauthorized use and sale of my personal information and what I believe to be a violation of 15 USC 1681 ( a ) ( 1-4 ) of the Fair Credit Reporting Act ( FCRA ). This section stipulates the obligations of consumer reporting agencies to provide clear and accurate disclosures to consumers upon request. It does not give Chexsystems the right to sell my information without my consent, this is illegal.15 USC 1681 ( a ) ( 1-4 ) states : ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Despite my request for information, ChexSystems has failed to provide clear and accurate disclosure as mandated by 15 USC 1681 ( a ) ( 1-4 ). I insist on a thorough and proper review of the use of my personal information in accordance with the Fair Credit Reporting Act.

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 2023-11-03
Company: MOHELA
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed a complaint with Mohela in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from Mohela or the XXXX XXXX  regarding the documentation. 

Mohela Acct # XXXX XXXX XXXX XX/XX/2023 {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any XXXX attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my 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 2023-11-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: TN
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 been desperately attempting to contact aidvantage for almost 4 months now. I usually wait in hold for XXXX hours each time I call. Usually when the call is answered it drops immediately. Ive also gone to email them and am always told it can take XXXX hours for a response. This is a blatant lie as it typically takes XXXX weeks for a response. I applied for an income driven repayment program which caused my loan amount to triple and when I try to select a new payment plan XXXX informed to contact by phone or email to remove the payment plan. Each email response I get is a canned response telling me I can select payment plans online which is contradictory of what their website says as I have to call to cancel the idr. Im desparsrely trying to get a response from aidvantage to clear this up so I can start making payments. As many others are in the same situation, I can not afford the payment option given to me and do not understand why it is so much higher than my payment was originally before my loan servicer was switched to this awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TN
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I tried to unfreeze my credit at Transunion. I logged in and was emailed a two factor identification code. My identity verification failed and I was advised to call a number. After several attempted calls, I finally got through ( line disconnected and guided to a text service that told me to call the same line ) to a foreign call center. The person was sounded fishy and I was worried that he was fake and it was a scam. He gave me an email address to send personal identification material to which seemed fake. He would not send me an email to fill out. I could not upload this information on the transunion webiste. He then gave me a phone number to call to unfreeze my credit after I complained that he sounded fake. 

I called the number and I could not reach a person to unfreeze the credit. The phone automated call just looped around and hung me up.

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 2023-11-03
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have an aspire Mastercard since XX/XX/XXXX. I was out of work for a few weeks I havent missed a payment up until now. I came back to work last week I reached out to customer service on XX/XX/XXXX via chat and explained that I am in a financial hardship and that I need some time to get back on my feet and if it was possible to get an extension or a grace period and I was told that aspire doesnt give out extensions or grace period and I would be charged a late fee. The agent told me she would notate it in the account. I explained that I would do my best to pay it. My account got overdrawn and I have no way of paying it. I received to emails that the account is past due and I need to make a payment of {$150.00} to reinstate the account. I still received an email about the same thing. I am on a fixed income and Im barely making it. I would like the emails and texts or calls or letters to cease and desist until I am able to get back on my feet financially. Since I was out of work for a while. I can not pay {$150.00}. I would like an arrangement or a payment until I get back on my feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I previously submitted a complaint about MOHELA through the Consumer Financial Protection Bureau ( CFPB ) regarding my monthly payments under my Income Contingent Repayment ( ICR ) Plan. MOHELA 's response indicates that they did not read my complaint thoroughly and based their answer on an incorrect assumption. 

I would like MOHELA to read this new complaint very carefully. I want my monthly payments to be prorated based on the total amount of federal student loan debt both my wife and I have. 

The Department of Education states : " So, any time we use a joint income to calculate your payment amount, we will also take into account any federal student loan debt your spouse has. We will then prorate your payment based on your share of your and your spouse 's combined federal student loan debt. And for the record, your spouse doesn't need to be repaying his or her federal student loans under the same repayment plan as you or even under an income-driven repayment plan. '' If you read further in the article and the XXXX attached, it shows how to calculate the monthly payments WITHOUT including my wife 's loans in the ICR Plan. 

Link to Dept of Education article : https : //www.ed.gov/content/something-borrowed-how-marriage-impacts-your-student-loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello on XX/XX/ I once again attempted to check my account online and yet again same issues. I have not been able to use the mobile app are the internet app for PNC bank since the account has been open now for 1 year I have call over and over again to just get excuses. I there a service that I should have access to why is it the bank can not figure it out I have been dealing with this a full year. The IT department has not reached out to me are attempted to correct the issue that is truly on their end. This need to be corrected and stop giving accuses. The PNC system says it does not recognize me ; I am only able to check my account through their phone voice banking. A consumer to not be able to check their account with the services that are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-04
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I emailed Mohela twice, once asking for information on my cancelled loans. They responded to that with an email saying the loans were cancelled and I'd get a letter with more details and a digital copy. That was months ago and I never got a letter or any digital data. 

I emailed Mohela again asking if any of my cancelled loans were eligible for refund of payments made, but I haven't received a response. 

There is no information in my Mohela account about my loans, payments, cancellations, nothing. I would like information on my cancelled loans and refund. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: MOHELA
State: RI
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 account was put into forbearance and I have been unable to get an explanation from MOHELA. In addition, I submitted a request through their internal messaging system on XX/XX/23 asking when my PSLF would be completed as I am at 120 payments. Its now XXXX and Ive not had a response and my account is on forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: MOHELA
State: CA
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 entire monthly payment of {$1200.00} was applied to interest only. Nothing was applied to the principal. My loan servicer is MOHELA and this practice, to my knowledge is illegal. 

My account has not been placed in administrative forbearance. I submitted an official complaint through their process as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN, WILL NOT LET ME BACK INTO MY ACCOUNT BECAUSE I CHANGED MY PHONE NUMBER, I GAVE THEM ALL THE CORRECT INFORMATION, STILL THEY WILL NOT LET ME INTO MY ACCOUNT I'M VERY MUCH ANNOYED WITH EXPERIAN. 

IT'S BEEN OVER THREE WEEKS STILL I CAN'T GET INTO MY ACCOUNT. 
I CALLED AT XXXX XXXX XXXX XXXX XXXX XXXX TODAY AND NUMEROUS OTHER TIMES NO-ONE WILL HELP, I FEEL THIS IS DELIBERATE FRAUD. 

PLEASE HELP I NEED ANSWERS.

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