davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I am filing an official complaint in regard to the student loan servicer MOHELA, as I received a payoff letter online, which included interest, and paid off the loan in full for {$120000.00} on XXXX The average interest on my student loans was 7.080 %. This payment was made the same business day, but when I checked my account this morning, I owed XXXX XXXX on the principal and XXXX in interest, totaling owing XXXXXXXX XXXX on my account as of today, XX/XX/XXXX. 

I believe this is unlawful and unjust, as they did not honor my payoff letter amount from XX/XX/XXXX, and my payment in full, which included my interest at that time. I went and paid the XXXX XXXX  to completely pay off the loan, but was told over the phone this morning that any interest accrued would be written off, as the loan was paid off. I asked why the interest wasn't forgiven and my payoff letter wasn't honored on my last payment, and was not given an answer on this except that interest accrues daily. I am a customer of MOHELA and had various student loans with them since they were transferred, as I was a part of their PLSF program. I always made payments on time and have never missed a payment. I was with XXXX XXXX and XXXX previously. This harms the entirety of the student loan payment system, as a customer is not being honored with their payoff letter ( and someone that actually paid off their student loans ), and then having almost 100 % interest on the XXXX XXXX I still " owed '' to them on my account. If student loan borrowers keep trying to pay off a loan in full, and it keeps accruing interest on the loan as we make the payment, how is anyone supposed to pay the loan off in total? 

I wanted to make this complaint against the company and will be seeking information with a lawyer regarding this matter as well, as I am sure I am not the only one that has dealt with this. I am aware that there was a class action lawsuit towards MOHELA as of XXXX XXXX  regarding the PLSF program, but I wanted to send my complaint that this student loan servicer is harmful towards the industry, customers, and violates the antitrust laws with unlawful predatory pricing with charging interest when they did not honor the payoff statement. Also on the XXXX XXXX I was charged interest for the before payoff amount. XXXXXXXX XXXX  interest on XXXXXXXX XXXX is not 7.080 % interest. I have also filed complaints with the U.S. Dept. of Education, the Federal Trade Commission, and the office of Federal Student Aid. 

Thank you!
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HUD Title 1 Loan reporting on TransUnion and US Department of Housing reporting on XXXX has failed to remove this reporting from my credit report. The last payment was made in XXXX of XXXX the first delinquent payment was XXXX of XXXX  it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( TransUnion ) and US Department of Housing ( XXXX ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items.

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this Wells Fargo tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. Wells Fargo refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies XXXX XXXX and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher Wells Fargo which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over XXXX years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

My husband and I are about to put in a pool at our house. Because of this, I thought it would make sense to update our homeowners insurance, so I reached out to my Mortgage Servicer, Mr. Cooper, so that I could let them know. In XX/XX/XXXX, I received a notice that they were paying for new homeowners insurance, which I never requested - after already paying a premium for the year in XX/XX/XXXX. On XX/XX/XXXX, I found out that they were paying for homeowners insurance on a property that I havent owned since XXXX. They somehow never did the due diligence with XXXX, and the original homeowners insurance that was for my actual property lapsed and was canceled for nonpayment. Thus, Ive been paying for something - theyve been using my escrow money, but it was going to an insurance policy that has been inactive since XX/XX/XXXX. And I have proof from XXXX that that was canceled in XX/XX/XXXX. I have no idea where that money has gone and the servicer claims they dont know where it is either. I got new homeowners insurance that day. But they have no contacted me at all explaining how this could possibly happen and what they are doing to refund my escrow account, since theyve sent over {$3000.00} to insurance policies that do no exist and were on a property that I sold years ago. I deserve to get that money returned to my escrow and they are being incredibly unhelpful. This is a lot of money.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (ID)

I have spoke with this company and have tried to settle and the refused and also asked them to stop contacting me with phone calls and letters. They continue to do so. 
I have received a letter last week about a settlement offer. 
They have continued to call me after I have asked them not to. 

I also called and wanted to just pay XXXX dollars towards it as that was what I had at the time and they forced me to get into a payment plan even after I said I didn't want to be in one and just wanted to pay as I could. 

They continue to threaten suing even after this as well. 
This is also not the original owner of the debt.
Consumer complaint received 2024-02-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Company is ignoring the complaints, I bought a {$25.00} Google play gift card at XXXX  in XXXX and tried to use it but they wanted more info. I gave it to them and even gave my receipt for proof of purchase but they refused to allow redemption citing non-existent issues with my account that they wouldn't explain. I wish to redeem the card. Account info XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. I've included the original receipt as proof of ownership and purchase. Google play email is XXXX. Apparently I have to open another complaint because you all are now ignoring the CFPB. This isn't about the money anymore, it's about Google defrauding me and they are making this much more difficult on themselves than they would have had they honored my gift card.
Consumer complaint received 2024-01-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. I've included the original receipt as proof of ownership and purchase. This is the 4th complaint I've had to open because it is not resolved. Google play email is XXXX.
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Starting on XX/XX/XXXX XXXX purchase Gyen which is a type of Crypto currency on coinbase plat form invested several amounts totaling XXXX dollars, on XX/XX/XXXX I had a total of XXXX coins of XXXX Coinbase seized trading for that crypto meaning no one can buy sell withdraw or deposit which is not far since other exchanges where trading it. At the time when I bought it it was XXXX now its XXXX I lost more then half what i invested because I wasn't able to trade it. Now I don't have it at all Coinbase completely deleted that coin and amount from my account. they left my account with XXXX cents I have all screen shots and confirmations when I purchased it and up to XX/XX/XXXX what balance I had till coinbase removed it from my account. I have contacted them by email and phone with no help or ways to solve this. This seems to me from reading other social media sites like XXXX, XXXX and XXXX that it has happened to several XXXX XXXX people. Please help me recover what I lost and please investigate the fraudulent activity coinbase is doing.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (HI)

My US bank credit card information was stolen. I found XXXX XXXX XXXX  XXXX '' charged me {$530.00} on XX/XX/year>. I contacted US bank XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> to dispute this charge. They investigated but they charged {$530.00} back to my account today. I investigated myself by going to XXXX web site. They created my account with my email address and showed the purchase history in their website. It is still there as of today, XX/XX/year>. They do not reply to my request. The purchase order history shows the order I have never authorized. The order was placed on XX/XX/year> and it was canceled on XX/XX/year> XXXX XXXX XXXX XXXX  ). US bank has not replied to the reason why they did not Horner my request, but they did not remove this charge from my account and now I am responsible to make the payment for this fraud activity. It is not fair for me to pay for this amount for the fraud activity. I gave them the information about the web site, but I do not think they looked into it.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

On XX/XX/XXXX, I lost my job due to the impact from the widespread COVID-19 shutdowns. I immediately contacted Freedom Mortgage to discuss my issue and requested a forbearance. I was granted the forbearance over the phone and also instructed to make either whole or partial payments as my financial situation let me. On XX/XX/XXXX, a letter was sent out by them stating that I was in a forbearance through XX/XX/XXXX. It also stated that any partial payments would not be applied to my account and instead held in an interest free account until the end of the forbearance period. On XX/XX/XXXX, I contacted their customer service and was told that my loan payment due XX/XX/XXXX is still not paid and is still due. I reminded the lady that I was in a forbearance and it was not due. She backed off, but not before saying that my loan was going to go into foreclosure at the end of the forbearance. I asked if they were following federal guidelines on this and she then said I could request for the forbearance to continue after the initial period of XX/XX/XXXX. This is a horrible organization that uses bully tactics to intimidate their customers.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

I was told I would be receiving a wire transfer ( worth {$2600.00} ) on the XXXX of XXXX equivalent to the monetary value of the total amount of unused PTO I had accrued prior to being laid off. It has now been more than 4 business days and neither my personal bank ( Wells Fargo ) nor my employer ( XXXX XXXX XXXX ) and their bank XXXX XXXX XXXX XXXXXXXX ) seems to know where my funds are as they funds have still not yet reached my bank account. I have sent numerous emails to my employer explaining the situation and have contacted both Wells Fargo ( receiving bank ) and XXXX XXXX XXXX ( sending bank ) to no avail. In addition, I have emails stating the amount of money I am owed for my PTO and when it was claimed to have been sent. I also have a supposed receipt of the wire transfer from XXXX XXXX XXXXXXXX provided to me by my employer.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I wrote XXXX  checks for XXXX XXXX on XXXX and XXXX  2023 of but lost the checks and somebody fraudently deposited for the second time on XXXX  2023. I been going to the bank for almost a year for this problem but the bank says its not their problem. Therefore I filed TD bank fraud referral form XXXX XXXX and XXXX XXXX for XXXX checks on XX/XX/2023 store associate XXXX XXXX at XXXX XXXX. It has been XXXX  months since I filed and then I was told to approach another TD bank because they dont handle such fraud case and I went to another TD bank and made another affidavit of Forgery by XXXX XXXX at XXXX XXXX TD . Now they are telling me call customer care which has no answer but to got the nearest TD bank. Im totally frustrated at this point. I feel now they want to bury my case under paperwork and kill my time and patience.

I beg the concern authorities to please look into my matter.

Thanking you sincerely. 
XXXX XXXX Check number. XXXX and XXXX
Consumer complaint received 2020-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (CA)

I was on an ICP working towards loan forgiveness when I lost my job I called and was advised to switch to a financial hardship plan, which I did ... 
What I did NOT KNOW was that this would halt all of my payments moving towards loan forgiveness, when I discovered this, I switched back to the original plan, setting me back about 12yrs towards loan forgiveness, causing me to have to start all over again. All under THEIR GUIDANCE & SUGGESTIONS- This loan is over 22yrs. I am constantly being given the wrong information. Last month I was told that under the WE CARE act that any payments I make will go towards the principal balance. When I called a week later to discuss how to ask a question about that, they told me that wasnt true, it only goes towards your interest. Then when I pushed further to speak to her superior she told me that I only have 1.5yrs left on the loan. I asked for that to be put in writing with the exact date since everytime I call its different information.Then next day I was informed its 11.5 years. and that they can't put anything in writing. I was also told that there is no incentive for them to work this out with me since its a government loan and they will have to pay it eventually. When I complained to my congresswoman, she said just work towards loan forgiveness.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis is trying to collect an amount that is not owed by me. I asked them to provided the account statement and it is not showing the correct amount. I asked my landlord to fix the account statement and send it to Genesis. Genesis denied that they received the most updated statement and keeping collecting the amount. It damaged my credit and they refused to handle my dispute through phone call.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

On XXXX XXXX, XXXX I recertified my student loans, since I knew my recertification date was in XX/XX/XXXXXXXX 
On XX/XX/XXXX XXXX, Department of Education made an announcement about recertification dates. Specifically, those who had recertification deadlines in XX/XX/XXXX, and saw after they already recertified and their payment went up, that they would be returned to their previous monthly payment amount until the new recertification deadline. 
On XXXX XXXX, XXXX, I reached out to MOHELA to confirm that I expected to benefit from this announcement as I had recertified already to comply with my XX/XX/XXXX XXXX deadline and my payments had gone up. 
On XXXX XXXXXXXX XXXX, I received a response from MOHELA that confirmed that I would benefit from the change. MOHELA 's response indicated the following : " Your account should revert back to the Pay as You Earn ( XXXX ) Repayment plan. Your monthly installment of {$0.00} will continue through your new IDR recertification deadline on XXXX. '' On XX/XX/XXXX, I sent another message to MOHELA asking if there was any guidance on to how long it would take for me to see the change. I asked because that same day, I received a bill telling me that I had a {$68.00} payment due on XX/XX/XXXX. 
On XX/XX/XXXX XXXX, MOHELA responded again, telling me that their response to me on XX/XX/XXXX was incorrect, that my payment would not be decreased, and my payment continued to be due on XX/XX/XXXX, in direct violation of DOE 's announcement. 
On XXXX XXXX, XXXX, I sent an email to MOHELA 's Customer Advocacy Team Specialist, asking for assistance on my situation. 
As of XX/XX/XXXX, I have not received any response from him.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

On XX/XX/2024my husband went to PNC Bank to deposit two checks from The Dept of Labor into our joint account. One for {$1400.00} and the other for {$790.00}. The bank rep asked if he would possibly want to open his own personal account and which my husband agreed. He advised the bank rep that he wanted the check for {$1400.00} deposited into his new personal account and to split the check for {$790.00} ( {$300.00} to joint account and the balance {$490.00} to his personal account ). He also advised the bank rep that the checks were for deposit only. On XX/XX/2024 I received an email notification that the joint account was overdrawn. When I checked the joint account, it showed that the two checks were rejected. Ironically enough my husband 's personal account had a balance of {$1900.00} and I could see the {$300.00} credited to the joint account. I was very confused as to why my joint account is now - {$2100.00}. My husband immediately went to the PNC Bank branch and the only thing they kept telling him is that the checks were rejected, and he needed to contact the " maker. '' I also went to the branch and was basically given the same explanation and they could not provide me with any information. I contacted customer service between XX/XX/2024 - XX/XX/2024, I spoke with XXXX and also XXXX. I went to another branch looking for answers and was given the same answer that I needed to contact the maker. In the meantime, my husband had contacted The Dept of Labor, and they advised him that they did not reject any checks and we had to talk to PNC Bank. We kept getting nowhere with PNC Bank. My husband contacted the corporate office of PNC Bank who advised him that XXXX XXXX, whom the check is drawn off of, had rejected the checks. Once we received the returned checks in the mail, we immediately went to a XXXX XXXX branch on XX/XX/2024. Spoke to a bank rep ( XXXX ) who advised that XXXX did not reject the checks. The bank rep even checked the account in which the checks were issued, and he saw where the checks were paid. I am frustrated and confused and really don't know what else I can do. PNC Bank is holding me and my husband responsible for a {$2100.00} debt and I need to know why.