BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Robinhood has stolen {$50000.00} from me, and is denying me access to an additional {$65000.00} in existing funds. and there is no way to communicate with them. Their phone numbers only play a recording, and they do not respond to emails. I have sent over 15 messages via email with no response. On or about XX/XX/21 I received a notification that a recent transfer XXXX deposit into my Robinhood account ) was reversed and my account was put into a restricted state where I can not trade. I was asked to submit photo identification through their Robinhood app, which I immediately did. I currently have a balance of {$65000.00} in my Robinhood account. All of these funds were fully cleared and no part of this balance was provisionally credited or pending. I recently made 3 transfers into my Robinhood account from my linked bank account. 

Transfer 1 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account and posted to my Robinhood account Transfer 2 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account this but was NOT CREDITED to my Robinhood account. They falsely state that this transfer was reversed. However, the funds were in fact taken from my bank account, which I also confirmed with my bank. 

Transfer 3 - initiated XX/XX/21 - {$40000.00} - this transfer was NOT taken from my linked bank account. The funds were available in my bank account, but for reasons unknown the transfer was never initiated/withdrawn. I have submitted this transfer again on XX/XX/21. 

Transfer 4 - initiated XX/XX/21 - {$40000.00} - this transfer was successfully debited/withdrawn from my bank account but is still shown as pending on Robinhood and not credited to my account. 

I am unable to contact Robinhood in any way for several days now. Their phone numbers only go to a recorded message and do not allow voicemails. Their app has a contact form which I used several times to send messages regarding this issue, but no response is ever given. I have sent over 10 other emails and replied to automated responses sent to me ( the emails sent to me state that you can reply to the emails ) and also have not received any response. I have been contacting Robinhood via email constantly since XX/XX/21. My Robinhood account number is included in the full complaint attached. I have also attached proof from my bank that the funds were withdrawn as stated in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card
Issue: Late fee

Complaint:
For my XX/XX/XXXX statement, the minimum payment of {$27.00} was due on XX/XX/2017. On the due date for my payment, I made a return to the store and received a credit for {$42.00}, which is more than minimum amount due. I was still charged a late payment fee even though I had made the payment, in the form a return, by the due date. Comenity Bank has refused to reverse the late payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account

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 2016-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
on the morning of XXXX XXXX, 2016 I noticed my account was over drawn. I went to the XXXX, CT banking center to make a deposit to bring my account current. I was informed that the banking systems were down in my area XXXX XXXX XXXX, XXXX, XXXX CT, etc ) and was advised to wait until they are back up to make the deposit. Around XXXX I drove back to XXXX XXXX, CT and was advised I can then make a deposit via ATM, which I did. On XXXX XXXX, 2016 I was charged XXXX XXXX overdraft fees. I called customer service and even though they said they saw the systems were down, they would not reverse my fees due to the ATM machines were working ( even though I explained I was advised not to make any deposits as they did not know why the systems were down perhaps cyberthreat, etc ). My complaint is as follows : 1. The fees for insufficient funds are egregious 2. No compassion for their banking system not working 3. Over 10 years of banking with them, they did not care.

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 2021-03-17
Company: GLOBAL PAYMENTS DIRECT INC.
State: LA
Product: Credit reporting, credit repair services, 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX

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 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have received billings from multiple servicers. Not one has been able to provide with me a history of payments made on the loan since I took it out or provided me any information as to how the balance has increased so much. Additionally, being billed by XXXX different servicers at the same time I also had XXXX different amounts owing. 
I have asked repeatedly for loan documents and payment history to try to determine the true balance owing, but have not received anything. Additionally, I have tried to settle the matter and set up some plan to resolve this, but am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: U.S. BANCORP
State: PA
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:
Someone was suppose to handle the situation.

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 2016-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
We tried to make a withdrawal at an atm ( We are in XXXX ) I have a receipt that the transaction was rejected. My Bank of America side said the transaction went through and they deducted the money along with the fees. I called them and they said I had to wait until the next day when it would be removed. The charge is still on my acct. I told them to credit my acct until they figured it out like XXXX and XXXX would do. They said they do n't do that. These banks get away withXXXX. They have XXXX in assets and if I needed to buy food I would still be waiting to eat. They should not be allowed to do this. Also, they have a telephone system that does not work. I hadto push buttons randomly until a live person responded. I spent 33 minutes on the phone with a company that charges me {$16.00} per month to take my money.

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 2017-01-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Fidelity Direct Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
As a resolution I would like to Recoup money that I lost during this deal and to figure out how my privacy being violated and my pain and suffering lossing money on this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX should not be reporting to Equifax and XXXX a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I would like a thorough audit conducted on my student loan account. I asked Navient to conduct an audit few years ago because I believe I was being charged a ridiculous amount of interest. I also submitted a complaint to the attorney general of the state of Connecticut which is where I reside. I have been out of school for almost 10 years and my student loan balance has almost tripled because of interest. I have no problem paying what I owe but I do n't think I should owe more in interest than the actual dollar amount that I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I mailed a formal written complaint to XXXX XXXX and TransUnion on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from XXXX XXXX or TransUnion for either request on the XX/XX/2021 or XX/XX/2021.

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 2021-03-17
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan : XXXX PAYMENTS : We made 3 payments to HomePoint Financial in XXXX to get caught up on the forbearance payments, The balance should be {$2000.00} ( {$1000.00} balance due and the XXXX payment of {$1000.00} ) however three statements were sent in XXXX with a balance amount of {$4000.00}, {$3000.00}, {$2000.00}? HomePoint Financial needs to get it together. I want a statement reflective of the accurate balance of {$2000.00}. We are paying XXXX in XXXX and expect a zero balance statement. 

{$4000.00} balance XXXX {$1000.00} payment XXXX {$1000.00} payment XXXX {$1000.00} payment ESCROWS : The escrow balance was negative - {$1500.00} and mortgage payment is going up {$300.00} as a result in XXXX. A subsequent escrow statement sent XX/XX/XXXX reflect a XXXX with a mortage payment increase of {$430.00}. Both escrow statements are listing both insurance policies in the amount of {$1300.00} however when we called HomePoint on XX/XX/XXXX they stated a payment was made on XX/XX/XXXX to XXXX in the amount of {$780.00} for our property insurance which they have listed as Wind & Hail. On XX/XX/XXXX they paid XXXX XXXX XXXX {$1300.00} which they have listed as our property insurance but in fact its our Wind & Hail insurance. Last year, HomePoint Financial sent a check to XXXX XXXX XXXX XXXX XXXX, an unknown company that has no relation to XXXX or XXXX XXXX XXXX in the amount of {$1300.00}. They told us to call the XXXX  XXXX XXXX XXXX when they made the mistake to inquire on a refund. 

Homepoint said this was a clerical error made at origination. I need an explanation on where that payment is? Was a refund or stop payment placed on the payment that was made to the unknow company? Were those funds applied back to the loan? We refinanced this account a year ago and there should not be a negative amount or such a huge discrepancy. Additionally, knowing you paid {$780.00} and {$1300.00} why would you have them both listed at {$1300.00} for the XXXX escrow statement. If this is a result of your mistake then your company needs to own up to it. I have an email attached that was sent to HomePoint Financial requesting research be conducted on this insurance issue under RESPA and received no response. 

CFPB needs to look into HomePoint Financial practices of escrows, payment application, forbearance payments, modifications without notifications. We are also pending a response on the Deceptive and Abusive practices of increasing payments and interest rates without borrower notification. This company should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against Specialized Loan Servicing LLC ( SLS ). At best, SLS has a faulty billing/payment process. At worst, the SLS 's billing/payment process was intentionally designed to charge their customers additional interest and late fees. 

The HELOC loan my wife and I had with this company was at the end of its term, due date XXXX/XXXX/2015. I sent in a final payment to cover the remaining balance for the XXXX/XXXX/2015 billing cycle. SLS received this payment into their account on XXXX/XXXX/15, the due date for the given billing cycle. SLS is now claiming that we still owe {$95.00}. This loan should be closed and the balance set to XXXX. 

This was not the first time that SLS has made an error in their collection process and attempted to charge us for their error. Our loan was sold to SLS within the last year. The first payment that we made to SLS on this loan was recorded as a principal payment rather than a monthly payment. SLS attempted to charge us a late penalty for that given month. My wife had to call SLS to have them register our payment as our monthly payment and to have SLS remove the late penalty. 

With this latest error, I am convinced that SLS ' errors are actually part of the company 's business model - SLS makes errors and then charges unsuspecting customers penalties for SLS ' errors. 

Here is a timeline of my final payment to SLS:XXXX/XXXX/15 - mailed final payment to SLS in the form of a check. 
XXXX/XXXX/15 - the check was deposited by SLS, check is stamped " RECEIVED XXXX XXXX 2015 Teller XXXX ''. ( Please see attached image of check ) XXXX/XXXX/15 - amount of final payment was deducted from my bank account, based on bank account records. The payment was due on XXXX/XXXX/15, SLS received my payment on XXXX/XXXX/15. 
XXXX/XXXX/15 - received XXXX letters from SLS. XXXX stating that there is a remaining balance of {$62.00}, another stating that there is a remaining balance of {$95.00}. ( Please see attached image of letter requesting {$62.00} ) XXXX/XXXX/15 - called SLS at XXXX PT. Spoke to a XXXX, she transferred me to XXXX. Requested that the loan be closed and the balance be set to XXXX. XXXX said that we still owe the balance of the loan. I stated that I am not paying SLS another penny. 
XXXX/XXXX/15 - received XXXX letters from SLS. Both of these letters state that we owe {$95.00} on this loan. ( Please see attached image of letter requesting {$95.00} )

Company response to consumer: Closed with explanation