BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BoA XXXX On XX/XX/2023, at XXXX, I noticed an unauthorized transaction {$99.00}, made payable to XXXX. My XXXX XXXX showed no authorized payment in process, but a ( - {$99.00} ) nevertheless appeared in my Bank of America Ledger. I contacted XXXX and requested a refund. The Refund reflected on my Ledger almost immediately, " in process or processing ''. 

Later, at XXXX, the Ledger Changed. The Refund was no longer " Processing '', but " Authorized ''. The {$99.00} sum is in the body of the ledger description, and says " PENDING XXXX ''. In the years that I that have deal. In the amount category, " -- ''. If I search for " XXXX '', the only result is the original debit. If I search for " PENDING '', the search results contain every ledger entry containing the word Pending, except the Uber refund. 

Let me be clear, search the ledger for " Pending '' or " XXXX '' does not result in the finding the XXXX refund. This combined with the used of the word " Authorized '', suggests that some entries my account, from the BiA side, and altered my ledger. 

This is a new event, but explains Ledger Inconsistencies, which have occurred during the past few days. For instance, yesterday I ran into a non-chronological entry on the BoA Ledger ; or rather, a set of non chronological entries Ledger entries for XX/XX/XXXX down to XX/XX/XXXX seemed normal. After XX/XX/XXXX came XX/XX/XXXX. But, after XX/XX/XXXX, a set of Ledger entries starting with XX/XX/XXXX began. This suggested to me that I had caught someone interfering with my ledger.

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 monetary relief
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XXXX, I went to an event to help get a loan modification from ASC/Wells Fargo XXXX The loan counselor stated my chances for a modification looked excellent since I was actually getting paid more money and had a more stable job. The modification failed and she wasn't sure why. This resulted in me going into foreclosure and I had to do a short sale. I just received a check from Wells Fargo for {XXXX} however, since my lack of modification with out any reason why resulted in a foreclosure/short sale I have seen information that others with this result have gotten paid out over $ XXXX. I wanted to inquire as to what the {$200.00} is for. The statement with the check only states that when the loan was being considered for loan assistance options, there may have been an error. It doesn't actually say what the payout was for. I believe my payout should have been more than {$200.00} since it resulted in foreclosure, selling my home and finding a place to rent. My salary has only increased since applying for a modification which I would have been able to pay the mortgage, have a better credit standing and selling my home if I so desired at a much higher value. By proceeding the only way to cover less loses, I suffered financially and emotionally.

Company response to consumer: In progress
Consumer complaint received 2023-12-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMO took over an account from Bank of the West for a RV loan. They reported missed payments to the credit bureaus. They reported a new loan rather than a transfer. Both are inaccurate information and affected the credit score. I have proof that all payments were made on time.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had car insurance with XXXX and i paid my last payment and advised them i got coverage with another provider and that id like to cancel the plan now that ive paid my last payment. The lady i spoke to said sure and the policy was canceled and not to renew for the coming term. 
I thought everything was fine until i started to see that they had sent my closed account to a collections company CAINE & WEINER and every time i have disputed with the credit reporting agencies XXXX, XXXX and XXXX even XXXX XXXX, they keep adding it back to my report which is damaging to my credit. I would really like my credit report to be updated and this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-14
Company: MOHELA
State: CA
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:
I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted Mohela who has the loans and they said to contact XXXX XXXX XXXX which had my loans before. I never moved to Mohela that was done automatically by the gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: MOHELA
State: TX
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:
Cant get ahold of anybody I have made 3 payments and they have reversed them for some reason stating they cant find my account number one of my XXXX dollar payments went thru so I know they know my account number but yet they still say Im past due on my payments. MOHELA is the worst serving company ever I have tried calling, messaging nothing no answer cant get thru to a real person.. even emailed them sent back undeliverable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERVICE ( A 3RD PARTY DEBT COLLCTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CRDIT COLLECTION SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND UNCOLLECTABLE AND IS ENTITLED TO DISCHARGE BY FOR OF

A 1099-C 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-14
Company: MOHELA
State: AZ
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 did not receive a billing statement for the month of XXXX, though Mohela did withdraw my loan payment on XX/XX/. In early XXXX, I read that Mohela was required to provide me with my billing statement 21 days prior to my due date, and that there were millions of other impacted borrowers. The Department of Education has directed Mohela to place all affected borrowers into administrative forbearance until the problem is fixed, and my account was not placed into administrative forbearance. I called Mohela on XX/XX/23, and after 40 minutes of being on hold, I spoke to a representative named XXXX at XXXX ( XXXX XXXX ). XXXX informed me that Mohela " was all caught up '' and wouldn't be placing anyone into an administrative forbearance for a bill being " a few days late ''. I told her that I didn't receive a bill in my Mohela portal, and she informed me that the bill had been mailed. I said that I had elected all communication to be done electronically, and that everything these past few months had been provided via the Mohela portal, including my auto debit updates and my IDR confirmations. I asked her to place a copy of my XXXX bill into my portal, and she said that she couldn't because it had been mailed to me. I said that I did not receive anything in the mail, and that I wanted a copy of my XXXX billing statement put into my portal, and she refused. I also informed her that my XXXX bill had just barely been posted that same day, XXXX, telling me that my amount was due on XXXX, and that it didn't meet the 21 day requirement, to which she said, " We aren't going to [ place you on administrative forbearance ] because your bill was a few days late. '' I told her that the Department of Education has directed Mohela to put affected borrowers into Administrative Forbearance. As I did not get an XXXX bill, and my XXXX bill was given to me only 4 days prior to my due date, I am an affected borrower and should be put into Administrative Forbearance. XXXX responded with, " No, we aren't going to do that. I haven't been told to do that. '' I let XXXX know that I would be submitting a complaint to the Department of Education, which was submitted on XX/XX/23. As can be seen in the included documentation, my XXXX billing statement has a fraudulent billing date of XX/XX/23. The billing statement was provided to me on XX/XX/23, NOT on XX/XX/23. My XXXX billing statement has a fraudulent billing date of XX/XX/23, but it was not provided to me until XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Klarna AB
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went on klarna trying to extend my credit to them in good faith and was turned away. This is XXXX time and I should not been turned away. Im on XXXX XXXX and I think they adversely denied me because if this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Dear Wayfair Consumer Department, I am writing to formally request validation of the alleged debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive detailed information regarding the validity and nature of the debt.

To facilitate proper validation, I request the following information : 1. A detailed breakdown of the payment history, including but not limited to : a. Original loan amount b. Date of the last payment made c. Specifics of each transaction leading to the outstanding balance d. Any interest or fees applied and their corresponding dates 2. An original, signed contract or agreement that provides evidence of my obligation to CBNA/WAYFAIR MASTERCARD and demonstrates their legal rights to collect the alleged debt.

Please be advised that, under the Fair Debt Collection Practices Act, it is imperative for debt collectors to provide such verification within 30 days of receiving this request. Until proper validation is provided, I dispute the validity of the debt.

Furthermore, I do not authorize your company to share any of my non-public personal information, including the information reported on my credit report, with any third parties. Additionally, I understand that under the provisions of 16 CFR 313.7, I have the right to opt out of your reporting. 16 CFR 313.10 ( a ) states, You must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. I do not believe your company has followed or respected such guidelines. Please perform and comply with both state and federal law.

I want to make it clear that if your offices have reported inaccurate or invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such actions may be considered fraudulent under both Federal and State laws.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the stipulated time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a student loan that was issued my XXXX. This is a 3rd party collecting a debt that has no authorization to collect the debt. Student loans is a violation of the Family Education rights and Privacy Act ( FERPA ). Please update this account to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: MOHELA
State: KY
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:
Starting in XX/XX/XXXX, I asked why my loans were in deferment. I received an email stating that I could have them taken out. I was never told it was an administrative forbearance because of their issues. I would have just left in in administrative forbearance. It took almost 3 months to get a response that " customer service already handled this. '' I have tried calling and after an hour on hold get disconnected. This has happened more than once. Now they say I owe a payment in XXXX. I only know this because I looked on the website, I never received a statement ot email. When I tried to pay it, the system would only take it if I paid {$80.00} more that the payment amount so I did not pay it. I have been applying for PSLF since Covid lockdown and have yet to receive a determination on loans from XXXX and older.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MOHELA
State: NY
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:
Application to decreased the amount due per month to reduce the monthly payments as well as recertification to be continued in the PSLF program with my current employer at a not for profit with verification as requested by loan servicer, MOHELA. 


XX/XX/XXXXXXXX  : Application for PSLF was initiated. 

XX/XX/XXXXXXXX  : Income Driven Repayment [ IDR ] Application submitted on student.aid.gov website. 
IDR monthly amount was projected at XXXX on the Income-Contingent Repayment Plan. 

XX/XX/XXXXXXXX  : PSLF reapproved on Federal Student Aid website XX/XX/XXXXXXXX  : PSLF acknowledged by MOHELA XX/XX/XXXXXXXX  Federal Aid website states the application was reviewed and processed. 


XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Administrative hold was placed on account. 

XX/XX/XXXXXXXX  No solution after a phone call to reach an understanding after 94 minutes on the phone with MOHELA. 

Application was still " pending " Customer service stated they were processing applications submitted in XXXX. 
My application was submitted in XXXX and there was no reason to be determined as why it was not approved and the status of the application. 

XX/XX/XXXX Second request to switch to IDR submitted on the Federal Student Aid website. The amount projected remained the same at XXXX XX/XX/XXXXXXXX  Direct withdrawal for payment was completed by Mohela from checking account No updates were able to be given by loan servicer. Next payment is due 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 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attempting to wire money out of checking account. XXXX won't allow use of phone number on file, and are now trying to make me wait 60 days to access my money.

Company response to consumer: Closed with explanation