BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: MOHELA
State: OH
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 sent an application for Public Service Loan Forgiveness to the U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. Mohela received this application well before the XX/XX/2022 deadline. I have proof of delivery via a signed receipt. 

I have provided Mohela with documentation of my eligibility through employment from four different employers. The first employer alone shows I have well over 10 years of qualified employment. The fourth employer, a hospital, stated to me that their policy requires employment verification through a third party. I submitted that documentation along with the application form and a note clearly stating " see attached '' for the fourth employer. 

Mohela sent me a notice threatening to deny my application because the fourth employer did not fill out the form. They completely ignored the proof of employment from three employers. Mohela has these forms, and I know they do because I kept a copy of my application along with proof of delivery. 

Mohela is not acting in good faith. They want to deny my application because of one technicality which is not even reasonable. They are trying to come up with any excuse they can to delay doing what the US Department of Education hired them to do.

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 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a text asking if I authorized a XXXX  transfer. I text back saying NO I didn't. Then a text saying a rep from Bank of America will be calling me. Phone rang it said b of a. The rep explain to me that a two transfers were about to happen one for a XXXX and one for XXXX and then explain to me the way to stop it reverse it. When in fact it sent it. I was scammed the whole entire thing was a scam. The rep on the phone told me the transfer was from someone named XXXX XXXX XXXX XXXX my Bank of America here in XXXX knows all the information they are not helping, they sent me a letter saying that the transfer was good and there's no more investigation, when in fact the whole thing was a scam. I never authorized money to be sent and I have the text to prove it they closed it said they're doing nothing about it and then I contacted XXXX I've also contacted XXXX. Now XXXX told me the same thing that there's nothing they can do once money is sent and I authorized it I didn't authorize this though that's the problem I didn't allow anybody to take money I didn't send money to anybody.

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 2023-04-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!

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 2023-04-16
Company: The CBE Group, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received call from someone at CBE group asking to speak with me. They identified me by my full name and said they were calling on behalf of another organization, but before they could disclose anything I needed to verify my name and 2 pieces of identifying information including phone number, email, and/or address. I refused and asked what it was in reference to - said they could only tell me it was on behalf of a clinic I visited 2 years ago while living elsewhere. I immediately hung up, called the clinic, spoke to billing manager who indicated that I had XXXX  outstanding balances with them and they never sent my information to anyone. They provided me with a statement attesting to this fact. I immediately called CBE back and asked to speak with a supervisor. They refused to disclose anything without me verifying any personal information. I said no and they said they were beholden to regulations that prevented them from sharing what the debt owed was for. I read verbatim from the FTC site that said they had to disclose amount of alleged debt owed within 5 days of contacting me. I received another call a few days later, going through the same process. They were all located in the Tennessee office- XXXX, XXXX, and XXXX. It is super predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I established a political campaign account account about 4 years ago with PNC Bank, primary account number XXXX : XXXX XXXX XXXX XXXX, XXXX Account. I decided to close the account about 6 months ago and they refused to close the account both in writing and by telephone, asking me nonsensical and numerous questions. Eventually I sent a secretary to case a check for the amount of the balance, about {$2000.00} and they still refused to close the account even though the balance was zero. Now they state as of my XXXX statements that I owe them {$24.00} ; but the statement is not clear as to the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: SYNCHRONY FINANCIAL
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied on-line for an Amazon Store bank card  XXXX XX/XX/2022, I received a email letter from Synchrony Bank requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a Synchrony bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. 

Not only Synchrony Bank employed agent was not truthful in his statement, he failed to mention that XXXX XXXX XXXX would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from Synchrony and XXXX XXXX 
Due to what appears to be an unscrupulous practice, I will never request and/or apply for any products or services from both said banks.

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 2023-01-21
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for video content with a Creator under contract by XXXX. After 9 days and had not received goods paid for in full {$140.00} on XX/XX/2023 in 2 payments. {$80.00} & {$65.00}. When I requested my money back, they refused then immediately locked me out of the account on false accusations, blocking me from access and using extortion intimidation techniques to regain access. I refused to be bullied and requested over 10 times between the Merchant and Chime Bank where I have my account. I have overwhelming proof and refuse to honor a very simple charge back as described in XXXX consumer protection policy which was violated numerous times for HUNDREDS of dollars. XXXX is a dishonest organization as is Chime Bank as they have offered ZERO proof or reasoning for their wrongful denial as I've requested. Their decision came within a few hours... Even before I had the opportunity to submit all the documentation. It's as clear and simple. I paid for goods that were never sent to me or received by me. This is pure Fraud. I'm not even asking for everything I SHOULD get. And neither of these companies are loyal or professional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Myself and my spouse XXXX XXXX worked at XXXX in XXXX to 2003 and banked at the wells fargo bank in waxahachie until we got tired of the over drafts that we would run into at least once a month. we have since changed backs and are very happy where we are. Not needing anything in return just wanted to point out we are another couple that was hit by the wells fargo issue. We would deposit our checks and use the funds a couple days later. they would move our outgoing funds to cause the overdrafts. as in we had a bill that we had the funds for and another bill that had to wait for a couple days so we had the funds in the account but instead they would move the lesser bill back n put the bigger bill first causing the overdraft.

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 2023-01-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I CLOSED two of my XXXX XXXX credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that Metro 2 Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and Metro 2 require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT METRO 2 Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
With reference to my previous complaint No. XXXX, and the previous referenced complaints noted in complaint No. XXXX, please be advised of the following : I was notified that my credit score would increase if Experian could verify that I pay rent and utilities. I went through there website and provided access to my XXXX XXXX account to make the verification, which Experian put a notice on my cell that they were verified! But as I also had to call Experian and got an XXXX speaking male with a dog barking in the background, I removed Experian 's access to my XXXX XXXX account and changed my password. Within hours I got the email attached and offered my response to why they were removed!

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 2023-02-24
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have closed my account because of fraud reasons. However, I have returned items to the merchant for a refund because of items I never needed when my bank account was already closed and have never received anything in the mail since then. I have called many times my banks customer service line only to be told that a merchants refund sent to a closed bank account will not go through and therefore still have not receive any remaining credits as a check. Other than that, I have been contacting my bank whenever I can but still haven't had a refund going through as a remaining credit and being sent a check in the mail for remaining credits I have on my closed bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company never sent letter This company is also unable to collect debts in California due to not having a California license. I have left a link from the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: VA
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 told the credit bureaus XXXX, XXXX, and Experian to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, XXXX, and Experian did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, XXXX and Experian has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, XXXX, and Experian has not did not do proper investigation and now Experian, XXXX, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, and Experian has violated my rights several times XXXX, XXXX, and Experian has violated the laws of The FCRA

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 2023-01-21
Company: Paramount Recovery Systems, L.P.
State: TX
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:
XXXX is inaccurately reporting debt not belonging to me as a collection XXXX XXXX Times for same amount. This account I am not aware of an it is appearing on my credit report XXXX times for the same date and amount XXXX must correct this error and stop the inaccurate reporting of PARAMOUNT RECOVERY SYSTEMS and XXXX XXXX XXXX XXXX XXXX must delete the duplicated reporting from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2022 - received letter about transfer to new servicer. Letter said, " XXXX ( current servicer ) will stop accepting payments after XX/XX/2022, your new servicer, Lakeview Loan Servicing will start accepting payments received from you on XX/XX/2022. My account with previous servicer was on auto-pay to be paid on XX/XX/2022 and it was paid! When Lakeview was EXPECTING the payment on XXXX XXXX, 2022 there was no money sent to the new servicer. 
XX/XX/XXXX I tried to set up auto pay on the new servicers web site, I was told I could not because I was delinquent - what? I immediately called new servicer and was told I could not set up auto pay until I was current. And they did not accept debit/credit cards. Now I'm baffled ; upon checking my account there was money in there that apparently was returned to the account but I didn't know it! I called back and was told I could send cashiers check or money order ; since they don't take cards and I didn't have checks. Unfortunately, other items hit my account and I did not have all the money at this point ; when I finally paid XXXX in full it was XXXX ; and I had to pay XXXX in XXXX PLUS I paid XXXX in order to get caught up. XXXX 's payment was made on XX/XX/XXXX ; two days late. At this same time I finally set up the auto pay for the new servicer. In XXXX I received a notice that I was eligible to refinance ; after crunching the numbers this made sense for me ( after COVID, I was behind in some credit cards ) however Lakeview Loan officer informed me since I was late XXXX and XXXX payment I was not qualified unless the mortgage servicer ( MyLoanServiceLakeview ) *same company different divisions... they were under the assumption that RESPA would prevail, it did not ; and they submitted a escalated request to address the issue ; after two months of waiting they notified me I was technically late!! This is not fair! And I have 60 days according to federal law to get set up when being transferred. How is this my fault? I am seeking relief ( ability to put in application for REFI ) and an explanation of what went wrong here. XX/XX/2022 ( pay the old servicer ) XX/XX/2022 ( pay the new servicer ) simply does not make common sense. I don't know anyone with two months of mortgage payment lying around post COVID.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In your letter ( XX/XX/XXXX ) you stated " we were able to confirm application XXXX was declined due to inadequate collateral and a letter was sent to you on XX/XX/XXXX advising you of the decline. You do not show that application number in your stated applications contained within this letter. Did you mean # XXXX? If so, that's XXXX, then follow by saying you sent a letter with denial in 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