BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: MoneyLion Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Appx XX/XX/22 I called moneylion and asked for a stop to be put on my account and to close it out. They did but something went wrong in their system and it did not process. I called back a few weeks later asking again that they cancel my account completely and stop any and all payments. They agreed to do so. 



XX/XX/22 money lion charged my account 4 different time in the amounts of {$5.00} {$5.00} {$5.00} and {$6.00}. I called demanded a refund due to these being unauthorized charges. They finally agree again to cancel my account ( after its already supposed to have been done 2 previous times. ) XX/XX/22 my account is changed {$5.00} ( After agreeing that they will no longer be taking any money out of my account. ) I received and email stating this is to confirm that the no Round Up transfer should ever be processed on your account. 
We do apologize on this inconvenience. 
Thank you for being the best part of MoneyLion. 


XX/XX/22 {$5.00} was withdrawn from my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The first year anniversary date of my reverse mortgage is XX/XX/22. I have maxed out my first year line-of-credit balance. I need to make a line of credit ( LOC ) draw to pay urgent medical/dental bills by XX/XX/22. 

Yet the mortgage holder tells me I can not receive a draw on that date. They say that XX/XX/22 is the first time I can request a draw and that it will take XXXX business days to be processed, then the money can be placed in my account. ( My bank wouldn't receive it until XX/XX/22. ) They told me a line-of-credit draw submitted before XX/XX/22 would be rejected. 
So, if I send in a line-of-credit draw request XXXX days before XX/XX/22, they would ignore it. 

Is this in agreement with government rules concerning reverse mortgages? Can they force me to wait XXXX days after my anniversary date to receive my draw? 
Thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Reporting company used your report improperly

Complaint:
Equifax ignores all my certified mail correspondence for debt validation so I can follow up they have been reporting the following items erroneously. These items are included in my identity theft report also. But company ignores all fcra laws. Also my privacy was violated I never gave anyone permission to furnish my personal information not written nor verbal. They are in violation of my privacy right according to U.S.C 1681 section 604A section 2. 

1 ) XXXX  2 ) XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX coll 6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXXBalance {$0.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Balance {$13000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a total of 4 payments totaling {$4100.00} using my Bank of America On-Line billpay service that have not been received by XXXX XXXX XXXX 
XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1000.00} XXXX - {$600.00} XXXX - {$1000.00} I have made additional payments in XXXX that have not been credited to my XXXX XXXX XXXX XXXX XXXX  account. 

I have notified the bank and the credit card company - XX/XX/XXXX There is currently in excess of {$6000.00} taken from my BOA account and supposedly sent to XXXX- which XXXX XXXX does not aknowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Good Afternoon, I've came across this article : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ And I'm inquiring about more information about it because I have two student loans from XXXX  XXXX student Loan that I've been sued to pay. I've been paying on the loans for about 5 years now. I'm also inquiring to see if I'm one of the 800,000 accounts that are being audited? God I hope!  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hello I have XXXX account that XXXX are report that are inaccurate. I just called XXXX for the third time today to have reinvestigated. Below are the accounts listed on the credit report. Both XXXX and XXXX have removed these accounts. 

1 ) JPMCB - CARD SERVICES. No account or phone number is listed on my credit report for me to contact them. XXXX removed from my credit report and then JPMCB-CARD SERVICES reported it again. This is not my account. I have never had the credit card or have ever used this account. 

2 ) XXXX XXXX - I spoke with XXXX XXXX with XXXX on XX/XX/XXXX they represent XXXX XXXX. I was told this account will be removed yet they are still reporting on my credit. 

3 ) XXXX - Spoke with XXXX and XXXX on XX/XX/XXXX and was told this account was suppose to be removed from my credit. They are still reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was issued student loans by Navient and did not have a parent to cosign. I instead used my grandparents, who are both unemployed. As a result, I was offered loans of XXXX %, XXXX % and XXXX %, which total {$600.00} a month in private loan payments. I was told today that I no longer qualify for XXXX on my Federal loans and I will need to pay {$290.00} a month. That brings my grand total to {$890.00} a month. I was not told that I was no longer qualified for the program, instead I had to call to find that out. The representative told me that I had to go into my inbox on the website and click " previous website '' to find that information. This is deceptive because the name of that link does not indicate you would find important documents within it. The " messages '' feature which is big and bold on the front page does not contain any pertinent information. I was told that I could put my loan into forbearance, thus racking up even more interest ( which I did in XX/XX/2016, as well as several times in the past ). This company is hindering my ability to live comfortably, start a family and buy a house. I have made every XXXX of these ludicrous payments, despite not being offered any help on how to make these loans more manageable. I believe the initial private lending practice was predatory and the federal loan process is not offering me a reasonable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report. 
1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXX child support is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been notified that PHH Mortgage Services reported to the Credit bureaus that I am in default. This has a negative impact on my credit report. I have currently made XXXX of XXXX payments on my trial period plan. This would allow me to modify the loan. Please note that this is my XXXX trial period for this loan due to an error on behalf of PHH Mortgage services. ( See previous complaints filed for this loan ) There has been a total of XXXX payments made... XXXX for the XXXX trial period and XXXX for the XXXX trial period. 

My understanding is that under the CARES Act... lenders are required to report accounts as 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 2022-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.

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 2015-06-25
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!

Company response to consumer: Closed with explanation