BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ I woke up to my Capital One card accounts being closed. I have always paid my CC bill on time and have proven the ability to pay back the credit in which I am using. I applied for a secured credit card and was charged a {$100.00} finance charge for the card with a limit of {$200.00}. I requested an increase because I am trying to fix up my home, After the request was denied several times I called into capital one in regards to having an open end credit plan as stated in 15 USC 1602 ( i ) ( j ) and was told to apply for the limit. After I sent Capital One a letter directed to the XXXX XXXX XXXX in regards to my open end credit plan, my account was shut down. I called an spoke to an agent on XX/XX/ and she stated that my account was shut down due to a violation of terms because of an overdrafts. After reading Capital One terms I have never had my account not paid on time. On top of all of that Capital One reported a negative mark on my credit report. I spoke with XXXX from Capital One fraud department on XXXX It was during this confabulation that XXXX confirmed that my account was shut down in retaliation due to a letter that Capital One received from me on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: IL
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:
Have been trying to call NelNet for weeks since my loan was transferred to them. I can not sign into my account online, recovering my username does not work, signing in with my social security number does not work, they keep telling me that my zip code is wrong. It's not. I think I know where I live. So if it's wrong in their system, then my personal information is incorrect with my lender which is insane. I have tried to call dozens of times and the hold times are always over an hour with no option to select a call back. This is sickening and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX XXXX XXXX XX/XX/2022 {$480.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I sent certified mail to dept of XXXX  about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set 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 2023-11-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
They said that some of the loans got forgiven, but the other loans missed the forgiveness because they got Commercially consolidated. Now that, that's happened the loan servicer has no information of my discharge, so they are coming after me for money back that should of been forgiven. I still have the email they sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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 2023-11-21
Company: Transfermate, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I paid school fees to an educational institution in XXXX called XXXX XXXX XXXX ( which is not the subject of this complaint ). The payment was performed through an intermediary company TransferMate, who is the subject of the complaint. According to my bank 's documents, TansferMate 's account was credited on XX/XX/XXXX. XXXX XXXX XXXX hasn't received the money yet as of today, XX/XX/XXXX. My daily status checks with TansferMate over e-mail merely resulted in the same excuse repeated over and over : we are waiting for confirmation from the bank that the amount " has cleared. '' My inquiries about the reasons for the delay or the estimate of the completion date of the transactions are ignored and never answered. TransferMate 's US phone number is a voicemail inbox that I am not hopeful will ever get back to my inquiry. I am starting to suspect a scam. 

The attached receipt demonstrates that TransferMate 's XXXX XXXX account ending with XXXX was credited on XX/XX/2023. The money has come out from my account, also at XXXX XXXX, in the form of a cashier 's check immediately deposited to Transfermate 's account, of which the receipt is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: MOHELA
State: WV
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:
On XX/XX/2023, I called them to ask why my payments had gone up {$110.00} after applying for the SAVE program. They were unable to explain why so they put me on a forbearance until it could be resolved. I continued to try calling after I was not receiving answers and even sent a message through the portal to ask what was happening on XX/XX/2023. Still, I received no response. On XX/XX/2023, I received an email that my payments would resume and there was no change to how much they were. I received no information on how this decision came to be and have been unable to reach their customer service as they have wait times that are hours long. This is absolutely atrocious and after dealing with this, it does not feel fair to have to try and figure this out or pay a monthly payment that I am positive is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: MOHELA
State: GA
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:
MOHELA the commercial dot com company being used to service federal student loans, is sending out confusing and erroneous billings that are hap-hazard and erroneous. 

The education department has withheld payment to MOHELA ( see attachment ), due to the lack of accurate billing and the instantaneous defaulting errors. The problem however is much deeper than has been acknowledged. In their haste to respond, MOHELA did not apply IDR plans to the billing. And as such expose students to high potential of default. 

MOHELA is sending out billing statements that do not reflect any XXXX XXXX XXXX ( XXXX ) plan loan recipients adjusted billing. By not billing according to the established XXXX plans that loanees may have accepted, MOHELA is again creating the foundation for default. The reason students accepted the Income base repayment plan was because mathematically they could not afford payments on low incomes. MOHELA is ignoring the repayment plans and are billing full amount, increasing potential for defaults. 

My Loan ( s ) were put in IDR in years XXXX to Current. I also agreed to automatic recertification ( see attached ) which allows the Federal Government to review my tax filings each year and adjust my payment schedule amount according to my income. Loans from all years are bundled into a single payment which is based upon my Income. 

The Federal Government via the Education Department has notified MOHELA of the IDR but MOHELA has not acknowledge it in billing. Additionally, because MOHELA was delinquent in its billing I was forced to send a payment to the XXXX XXXX XXXX department for the Month of XX/XX/XXXX ( see attached ). Typically, the XXXX XXXX XXXX Department will forward any Payments within 30 days to Commercial Loan servicing companies like MOHELA, who has not sent any acknowledgement of the payment and how it was applied. 

In remedy, MOHELA should send billing according to the XXXX plans, which they have not done. All prior billing should be cancelled because of the error of the billing which did not apply the XXXX plans. Future billings should acknowledge the XXXX plans. No XXXX eligible for the repayment plan should be forced into default because of MOHELAs erroneous billing. 

APPLY ANY ESTABLISHED INCOME BASED REPAYMENT PLAN PRIOR TO SENDING OUT BILLING APPLY THE CURRENT SAVE REPAYMENT PLAN IF APPLICABLE PRIOR TO SENDING OUT BILLING. 
NO DELINQUENCY OR DEFAULT OF PAYMENT SHOULD BE RECOGNIZED UNTIL MOHELA CORRECTS AND UPDATES THE APPROPRIATE REPAYMENT PLAN INTO THE BILLS. 
UPDATE BILLING INFORMATION TO REFLECT THE PAYMENT ( XXXX ) MADE TO FEDERAL STUDENT LOAN ( SEE ATTACHED ) WHILE MOHELA STUMBLED TO BILLING CYCLE.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I file this complaint to compel MOHELA to honor my request to change my payment due date back to the XXXXt of each month. My payment due date was the XXXX of each month prior to the XXXX administrative forbearance. I discovered that MOHELA changed my due date to the XXXX of each month for unknown reasons on XX/XX/2023. I called MOHELA on this date to request that my due date be changed back to the XXXX. A MOHELA representative assured me that my request would be processed before payments resumed in XXXX of XXXX. However, that assurance did not come to pass. In fact, XXXX billing statements have been generated without my request being processed. Such statements are attached. I sent MOHELA the attached email on XX/XX/2023, requesting an update on my request. I never received a response to this email. It should be noted that I never authorized MOHELA to change my due date to the XXXX in any event. I would like my request processed forthwith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: DC
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:
XXXXXXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

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 2023-11-22
Company: MOHELA
State: OR
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 loan servicer for loan consolidation for PSLF was XXXX. From XXXX to XXXX I applied for PSLF four times. On XXXXXX/XX/XXXX, that loan was transferred to Mohela to process PSLF. My first employer for PSLF was approved on XX/XX/XXXX, and the second on XX/XX/XXXX. Also on XX/XX/XXXX, my IDR paperwork ( which I submitted twice ) was approved, and twice I requested forbearance while they sussed out the XXXX payments count. Today Mohela raided my bank account without warning, and took over {$1100.00}. Im unemployed, and my IDR payment was {$0.00}. *I never, ever gave Mohela my bank account info, and can only assume that they imported it from XXXX XXXX XXXX I also cant remove my bank account info, since it appears nowhere on the Mohela website. I have no idea where they store my information, when I will be charged, how much I will be charged, and how frequently. I received no billing statement prior, and have no idea how they came up with this dollar amount. This is insane. I feel like I have no choice but to close this bank account so that I can pay other bills, because Mohela is literally stealing from me. How did this criminal enterprise come to be in charge of PSLF? I feel like Im being punished for public service, and they are *impossible to reach*, the website is nonfunctional its a complete disaster, and I want my money back from these thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just had a background check done for XXXX XXXX that was completed today. I looked at the results and seen that in the social security verification section that they had 4 mistakes. 
1. It has my address labeled wrong. The correct address on the 3rd row says former but its really my residential address.

2. I never lived at the first address they have listed as my residence address. 
3. The second listed name on the right side of the page is incorrect. Im not a XXXX. 
4. Im currently unemployed, not self employed.

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 2023-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX, Equifax, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: GA
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:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Shellpoint stole my identity and is attempting to collect on a debt not owed. An Identity Theft Report submitted to the IRS on XX/XX/2022, is attached. Shellpoint is using my identifying information without my express authority. 

Shellpoint failed to initiate a proper investigative consumer report before alleging any debt owed and before reporting said debt to the consumer reporting agencies. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

Shellpoint is violating my right to privacy. I did not provide them any signature to authorize any consumer reporting. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

And, Shellpoint is violating the exclusion section of the Fair Credit Reporting Act. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

I have been wronged. 

I have been injured. 

I require remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: NC
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation