BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a charge card with American Express that I opened in the summer of XXXX. A few months after getting the card I activated the Pay Over Time benefit which would allow me to make purchases with interest at a limit of {$1500.00}. Shortly after, I realized it made no sense to do so because I was already paying off my balance each month, so there would be no reason to accrue the extra interest so it was turned off. Several months later, as I was continuing to make my normal monthly payments I noticed that my monthly balance was coming in higher than what I was spending and realized Pay Over Time had been activated without me doing so. I assumed that this was a common complaint because shortly after I reported the issue I received a notice in the mail from American Express stating there had been an error in some accounts where this was activated without customers knowledge. 

Fast forward to XXXX and I notice once again this feature has been activated on my account without me initiating it. Well because of this, I had been paying hundreds of additional dollars per month because American Express took it upon themselves to activate the feature without telling me. I reached out several times and honestly felt offended by the idiotic answers the representatives gave " oh you don't accrue interest because you pay your balance off each month '' - that's incorrect. Remember, you now have a Pay Over Time limit of {$1500.00} that is constantly accruing interest which is now separate from your balance of charges that don't fall under pay over time and you are only paying a portion of the amount that is collecting interest.

Additionally, when I realize the issue and address this with the first representative to let them know Pay Over Time has been activated before without my knowledge, " I'm sorry to hear about this '' and not take responsibility because that is always what you are taught to do in this situation. Second representative " we are unable to see your Pay Over Time transactions that far back. '' Why is it different now? What I am now being told is they are unable to see when this has happened before and that any interest will only be charged if the account is not paid in full - but why hide the Pay Over Time balance and your regular monthly balance if this is not an attempt to deceive and charge additional interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i requested a copy of my entire file, including the notes made on my file in order to audit it, I believe that the fees I was charged at closing were not consistent with the actual amount paid to the agencies. After my first request, I was given only the note, mortgage, and cd ( which they referred to as the XXXX, obviously incorrect since I closed long after TRID ) I rerequested my entire file, asking to include everything pertaining to my loan with them, and I have gotten nothing. I am now locked out of my login for their website, which says it sending me an email with a secure code. The code takes about 8 hours to get to my email and then doesnt work. I have no access to review my file and I have not been provided the documentation I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Continental Finance Company, LLC
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.

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 2015-08-04
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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 checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX XXXX  to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
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 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 non-monetary relief
Consumer complaint received 2016-06-27
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 multiple transactions, including atm transaction were made in XXXX, FL. I live in XXXX, TX and was not in Florida at all. 
There was more than {$2600.00} withdrew from account by atm withdrawals and shopping. Wells Fargo is saying I am responsible for these charges bc a chip card was used. I have the card in person, I do not know anyone in Florida, and it wouldve been IMPOSSIBLE for me to have made the transactions. Wells Fargo is considering the claim closed without refunding us the amount fraudulently taken. Wells Fargo even asked us to file a police report if its fraudulent, which we have done.

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 2016-09-20
Company: Eastern Account Systems of Connecticut, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being charged " late fees '' for making my credit card payments on the due date. The specific charge in dispute was a payment made on the due date of XX/XX/2022 at approximately XXXX XXXX ( PST ). 

Capital One is refusing to reverse or waive the late fee because Capital One received the payment on the due date, however approximately 45 minutes late... There is no grace period offered, let alone being heard, for any payment made on the due date after XXXX XXXX ( PST ). 

I find this kind of behavior from a bank unfair, unethical and quite discriminatory, especially as all attempts were made to make a payment on time. After explaining my circumstance, I believe Capital One and its representative preyed on my current financial situation and discriminated directly against me. Capital One and its representative ensured me the late fee will be imposed, whether the payment was made 1 minute or 45 minutes past XXXX XXXX regardless of the circumstance and payment being made on the due date. 

Capital One, XXXX XXXX, or any bank needs to be clear, transparent, and lawful when issuing late fees, overdraft fees, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bad XXXX XXXX they lied and charged wrong fees

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 2022-05-17
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently moved to XXXX XXXXXXXX XXXX from XXXX. I went to US Bank to open an account and showed them my XXXX ID and US passport. They didnt request any other docs and opened my account and gave me a debit card. I deposited all of my funds thinking it would be safe in the bank. On XX/XX/XXXX I went grocery shopping and my debit card was declined. I called the bank and they said they put a hold on it pending verification of my address. The next day I went to a branch and provided them a copy of my lease and they sent it to the corporate office and said it would take one business day to release the hold. Today, XX/XX/XXXX the hold is still not released and nobody from US Bank has contacted me about it. I tried calling customer support but was told their system was down. I have had nothing to eat now for 4 days. My rent is due this week and I will be evicted if I can not pay. I can not get to work without my money. They are ruining my life XXXX XXXX XXXX XXXXXXXX. Please help.

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 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business " XXXX international for Buy And sell products ) since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Concord Resolution Inc (Closed)
State: RI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon checking my credit report around XX/XX/2023 I noticed that there was a hard inquiry on my credit report by XXXX ( XXXX  ). The hard inquiry was made on XX/XX/2023. I tried calling Transunion and explaining to someone who barely spoke any English that I did not apply for any type of credit with XXXX. That I did NOT authorize that hard inquiry on the XXXX of XXXX. She then gave me the run around about how this inquiry was " legitimate '' and to file a complain with the cfpb if I did not like Transunion 's policy. I want to make it very clear that the hard inquiry pulled by XXXX ( XXXX  ) on XX/XX/2023 was NOT authorized by me. It is FRAUDULENT. I am formerly requesting it be removed from my credit file-report.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in XXXX came true in lending act next in XXXX came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded

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 2016-04-24
Company: Vermont Student Assistance Corporation
State: WA
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 attended college, earning a XXXX degree back in 2001. I 've been making payments on my loans ever since with the exception of a couple periods of forbearance when I was having a hard time financially. It is now 15 years later and I am still making my monthly payments on time every month ( $ XXXX/month ) and my total balance is INCREASING due to interest. I can not afford to make bigger payments and every time I call the company, they will not help and threaten to take the money from my paychecks if I stop paying. I 've never threatened to stop paying. I just want the obvious problem fixed. I think that most of my loan could have been paid off by now. I have suffered immense stress over this issue. I can not save for retirement and every month that I make a payment is like throwing {$290.00} in the garbage. I feel that this is a case of predatory lending. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter back in XXXX of 2022 and today as well to remove the incorrect addresses off of my consumer report. According to the Fair Credit Reporting Act 12 USC 1681. I have a right to privacy. Also according to 15 USC 6802. Financial institutions are not supposed to share my information to third party people nor are they suppose to report inaccuracies. 

These are clear violations of my federally protected consumer rights.

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