BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
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:
Payment was made to student loan on XXXXXXXX  and was not applied to loan Called Loan service provider was placed on hold for 6 hours 2 times and no resolution ; Effective Date Posted Date Amount Applied to Principal Applied to Interest Confirmation Number XX/XX/XXXX XXXX  {$3500.00} {$3500.00} {$0.00} XXXX XXXX XXXX {$3500.00} {$3500.00} {$0.00} N/A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
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:
Today is XX/XX/XXXX. I have been waiting since XX/XX/XXXX for Mohela to process an electronically submitted XXXX XXXX XXXX form for my last payment. 

In the meantime, Mohela has decided to mark my loan as XXXX in spite of : XXXX. My loan would be forgiven by now if they would just process my XXXX XXXX certification XXXX. My loan is not in repayment according to the account update posted on my log-in page. Screenshot of this provided I suspect that Mohela is charging the XXXX for each month that a loan is open and this is a way for them to make more money fraudulently.

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

Complaint:
Credit report bureau does not check accuracy of statements coming from mortgage companies ( and others ) without proper payment applications, cyber security procedures and standards. There is a consortium of companies providing incorrect statements and information and the credit bureau is complicit in their inaccuracies. An example of that type of company is XXXX XXXX. The only purpose is to keep customers tied to low level lenders ( such as XXXX XXXX ) and higher interest rates by manipulating their credit scores.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am so upset and freaked out about what is happening to my credit record and myself. I AM NEVER LATE ON THESE ACCOUNTS! Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my credit report chase bank had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
WIFE DIED XX/XX/2020. THESE ACCOUNTS WERE UNKNOWN AT TIME OF DEATH. WHEN XXXX WAS MADE AWARE, HE PAID OFF ALL ACCOUNTS, CONTACTING ALL CREDIT CARD COMPANIES AND INFORMING THEM WIFE IS DEAD AND ACCOUNTS NEED TO BE CLOSED. 
PAYPAL, SUBDIVISION OF SYNCHRONY BANK, SAID THEY CLOSED THE ACCOUNTS. THEN WHEN A RENEWAL AMOUNT ARRIVES, UNKNOWN TO XXXX, THE PAYPAL ACCOUNT IS REACTIVATED AND THE BILL SENT TO XXXX. HE IS NOT RENEWING ANYTHING, AND HAS CONTACTED EVERYONE HE CAN FIND TO CLOSED AND CANCEL. BUT PAYPAL REFUSES TO BELIEVE SHE IS DEAD AND CONTINUES TO HARRASS WITH ADDITIONAL BILLS. 
YESTER ANOTHER BILL ARRIVED AFTER WE CONTACTED THEM AND SENT ANOTHER CERTIFIED LETTER CONTAINING THE CERT COPY OF DEATH CERTIFICATE TO THEM, REQUESTING PAYMENT FOR A NEW CHARGE. 
NO ONE WILL ACKNOWLEDGE THE PREVIOUS PERSON HE SPOKE WOTH EVEN WORKS THERE, AND THE BILLS KEEP COMING. NOW WHAT DO WE DO?

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 2023-12-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by Allegro Credit aka Synchrony because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.

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 2023-12-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
am writing to express my ongoing concerns regarding the debt claimed by this agency in the amount of {$10000.00} along with a move out date of XXXX XXXX discrepancies and inaccuracies in there records are causing unnecessary distress, and I am seeking a prompt resolution. 

I have provided comprehensive documentation, including : XXXX. A copy of my current leasing contract, effective XX/XX/2023. 
XXXX. A cashiers check made payable to the owner mentioned in my lease contract. 
XXXX. A utility bill generated at the beginning of XX/XX/2023 to establish residency. 
XXXX. Mail addressed to me at the previous address, as per your request. 

Despite my efforts to comply and the provision of a photo ID affidavit of truth, your agency continues to harass me for more information. I want to emphasize that my name is XXXX XXXX XXXX, not XXXX XXXX as stated in your validation letter. 

It is disconcerting that, after three separate investigations, your agency has been unable to reach a decision and persists in requesting additional proof. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) .I have also sent by email the laws they have violated and have not heard any response regarding theyre in accuracies I urge your agency to promptly and accurately assess the information provided and cease any further unwarranted harassment. I am willing to cooperate within legal boundaries to resolve this matter, but I expect fair treatment and adherence to the established laws. 

Please acknowledge receipt of this letter and provide assurance of a timely resolution. 

Sincerely, 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
Consumer complaint received 2023-12-25
Company: SLM CORPORATION
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:
Sally Mae continues to report my accounts as charged off over and over.. These accounts were XXXX in bankruptcy and nothing new should be being reported to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been facing unexpected challenges in meeting my financial obligations, particularly with regards to the payment schedule of the aforementioned mortgage account. Unfortunately, this difficulty arose due to the passing of my father, a situation that has been emotionally and financially challenging for me. I am reaching out to you to kindly request your understanding and consideration in this matter. I am sincerely committed to meeting my financial responsibilities, but the unforeseen circumstances surrounding my father 's death significantly impacted my ability to make timely payments. In light of these circumstances, I kindly request that you review the account associated with the aforementioned account number for any late payments and negative status. I am seeking your goodwill and understanding during this challenging time, and I would greatly appreciate it if you could consider removing any reported late payments and negative status associated with this account. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX  The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to 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 non-monetary relief
Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased tickets from XXXX XXXX in XX/XX/XXXXXXXX  for XXXX XXXX  and selected the XXXX XXXX option using my Citibank XXXX XXXX. The full charge is on my account. I communicated with Citi 3 times. The first was through chat ( I have screenshots ) and they stated that there was nothing wrong with the charge and the associate asked if the issue was that I can't afford to make the {$1200.00} payment by XX/XX/XXXX. I asked for a supervisor and was told one was not in. The second was on XX/XX/XXXX XXXX  with a supervisor who stated that there is a XXXX XXXX and the charge would be reversed, all that I would need to pay was the $ XXXX amount. I said great, I'll pay {$400.00} that day and I should be fine. A few days later, I noticed that the balance of $ XXXX was still showing due XX/XX/XXXX. I called and spoke to an associate a third time on XX/XX/XXXX XXXX  ask why the charge was still showing when I selected the plan option when I purchased the tickets. The associate stated that the charge will be reversed and put back on the next month. I mentioned my last conversation with the supervisor and that I only owed the $ XXXX, and paid {$400.00}. She said that was correct. Now I am showing that I am over the credit limit because of this. If the plan option was not available, I would have used another card. I told her that these are unfair business practices. She said that I signed the agreement. I agreed to the plan when I bought the tickets, and she stated that I signed the agreement after the purchase, XX/XX/XXXX. She then mentioned that XXXX may not have transacted the purchase correctly and the option would be to cancel the plan. I told her that I selected the plan and the I was calling to reverse the charge because the XXXX XXXX was in place. This is why I am contacting you. I file with the FTC as wellXXXX because Citibank is conducting unfair business practices. I'm filing with you regarding the XXXX XXXX showing on the XXXX website per the agreement with Citi 's terms and conditions. If they were correct in either case, I would have made better choices. 
I checked my account XX/XX/XXXX and every month my minimum payment due increases and I don't actually know what I should be paying. Plus, Citi continues to send me, " would you refer someone to the Citi XXXX XXXX  program '' surveys. Of course not, you don't know what you're going to end up with from plan to plan. I have two and they're both different.

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 2023-12-26
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I upgraded an existing checking account to a Premier checking account under bonus offer code number XXXX. I brought in to the bank {$250000.00} as per the terms. I have maintained this balance since XX/XX/2023 which meets the terms of the offer. I still have not received the {$2500.00} offer after multiple requests to the bank.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to Bank of America that has been ignored.

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 2023-12-26
Company: SLM CORPORATION
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX of 2023, I applied for forbearance with Sallie Mae. I was approved for said forbearance and payments were made toward all four of my loans from the company ( that they refuse to consolidate ). At that time, they check both mine and my mother 's credit, affecting both of our credit scores negatively. 
We made payments toward all of the loans every month, but continued to get threatening emails saying that the loans were in danger of defaulting. I contacted Sallie Mae again on XX/XX/XXXX of 2023, and they once again said I hadn't been approved for forbearance even though my mother and I had been making payments in the agreed upon amount when we were approved in XXXX. They then said I had to make the payment in order to be approved for the forbearance in spite of being able to see that the payment for XXXX had been made in the same amount they were requesting for the forbearance. 
I told them I couldn't afford to make two payments of the same amount in the same month, and that I would pay the following month. 
My mother contacted them on XX/XX/XXXX of 2023 in order to be approved for forbearance ; they checked both my and her credit again, negatively affecting our credit scores for a third time. 
At that time, I received an email from Sallie Mae stating I had been approved for forbearance. When I called again in XXXX to make a payment, they informed me I owed way over the amount that I was supposed to pay upon being approved for the forbearance again, and then said I had used all of my forbearance even though I had just applied in XXXX and they continued to state that my loans were going to default. My account was never actually in forbearance, and they have not followed through on what they stated in an email sent on 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 2023-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
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  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: SYNCHRONY FINANCIAL
State: NY
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 was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have owned my home for 21 years. My mortgage payment is {$3700.00} per month it includes interest, taxes and insurance. My interest rate is fixed at 3.875. 
XX/XX/2023 I received an escrow analysis which said my taxes went up {$30.00} per month and that i have a 2023 shortage of {$350.00} My new monthly mortgage payment jumped to {$4300.00}. 
It makes no sense at all. When i called in XXXX i was told by the representative that it didnt make sense to him either and he would ask for another escrow analysis to be done. I never heard back. I got a new statement that shows no changes made so i called Select Portfolio Servicing and they said they are charging me extra so i dont have a shortage in the future. How is this legal? {$700.00} plus increase a month for a {$30.00} a month tax increase? I told them Im fighting XXXX XXXX  for 2 years still 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. Please help XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation