BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: NY
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 Fidelity credit card that I used for everything and I always pay my bills on time. I paid beyond the minimum balance that was due. In my XXXX bill, Fidelity charges me a late fee of {$30.00}. I was very ill and was in the hospital for a few days. When I got out, I tried to get up on all my bills, but fidelity do want to hear the reason why my payment was one day late, just one day. I called to explain to Fidelity and ask for the late fee to be removed, I was told over and over there is nothing they can do. 

I believe it unfair for a credit card to charge a late fee when a customer is very ill, I did not refuse to pay the bill, I paid it with extra on it but I am only asking Fedility for the late fee to be waived. 

I am having some economic hardship and I still am making my full every month. 
Wavie a late fee of XXXX will not send Fidelity into bankruptcy.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-14
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts.A copy of a bill doesn't prove that an account was open by me The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As of XX/XX/2023, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around {$7000.00} in the account. I am a day trader and this is how I pay my bills and feed my family. They are creating an issue because I use different banks to transfer money to and from my account, but they won't allow me to add more debit cards for instant transfer so I can't use the debit cards from my new bank accounts. 

So now, because I have different bank accounts depositing and receiving the money, they are assuming fraud when they are the reason I have to do it this way. I will be linking my account statements showing how I move money between accounts to deal with Robinhood 's archaic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred money over from my XXXX account to my chime account and my chime account got suspended and they are holding my money I have sent over id 's and bank statements to every account I own and they are refusing to give me my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased this vehicle in XXXX the company closed in XXXX. Heard nothing from company closing or anything. They XXXXXXXX XXXX  my vehicle had major problems from day one. Look on my credit report and they have double the price.

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 2023-08-15
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a hit on my credit report for {$79.00}. But when I look at my credit report its for 2 different amounts. {$79.00} and {$80.00}. Its from a cbe group. They are with charter communications which I have never had. I have never received a bill from this company. Nothing in writing or no phone calls about this debt. They are stating Its from XXXX  but I have no knowledge of this debt or I would have investigated it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My current mobile device was completely damaged so I could not my access my cash app account after XXXX on XX/XX/XXXX there was a XXXX XXXX XXXX  on my card I transferred from my bank acct until I received my new debit card when I had access after the phone was damaged I could get in the app my phone could not use text so I used my email the code never came I tried this process all weekend Monday XX/XX/XXXX I contacted cash app support they tried gaining access still no code never came so rep told me to create a new account with a different number and they can transfer the balance I did an when I called back they kept trying to access the account and there were still no codes coming to my email then they sent me a text saying that cant access it an there keeping my funds see terms an conditions with no further information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is attempting to collect a debt not owed to them. I have tried to contact the company multiple times with failed attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied to see my credit card offer but denied the card and decided I did not want it because the APR was too high. Capital One opened the card in my name anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: AR
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 Tuesday XXXX XXXX I contacted my bank about fraudulent transactions on my bank account there were several fraudulent transactions wotch are XXXX on XX/XX/XXXX {$90.00}, XX/XX/XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX XXXX {$15.00}, XXXX  XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX  XXXX {$10.00}, XXXX XXXX XXXX {$60.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$51.00}, XXXX XXXX XXXX {$58.00}, XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$45.00}, XXXX {$11.00}, XXXX XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX {$250.00} I disputed all these due to me not making them and my card and pen were stolen and I got a email the same day on XXXX XXXX Tuesday saying my disputes were denied and I will not be refunded and I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: GOLDMAN SACHS BANK USA
State: NY
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:
In accordance with the fair credit Reporting act, I have had my rights. 
Apple Card/GS BANK USA XXXX XXXX XXXX XXXX XXXX THE HOME DEPOTXXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts listed aren't mine. Not sure why they are there. My name isn't even right, and there are some addresses I have never lived at. Please remove them.

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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account for CAPITAL ONE AND XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am now in a room in XXXX for XXXX I can be here till XXXX in after noon. I stayed in a room after about XXXX days I just have XXXX with me. There is no electricity in the room for some reason I called XXXX and interacted with a call center woman for about XXXX minutes Wellsfargo should use their power in California to give me back the value of XXXX dollars levied by irs.gov XXXX  checking account XXXX. They should levy the ssa.gov and probably even medicare.gov and give the value of money. I repeatedly informed this is a crime by XXXX XXXX XXXX XXXX and whoever survives using them one criminal XXXX has XXXX  my mother iniuring me with a large organization of thieves. They have XXXX my mother come up with covid rules and regulations and made lot of money selling mask but I have no money selling my book that each word using having mouth or who can put mask can use as well.

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 2023-08-16
Company: ROBINHOOD MARKETS INC.
State: CA
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 have a robinhood account which allows fractional shares of stock to be purchased. i have approximately 11 and a half shares of tesla. each month i transfer money from my bank account ( XXXX dollars ) to my robinhood account. every day that i would log in it would automatically recognize my computer and show my balance. one day i tried to log into my bank account and could not log in speaking on a phone i spoke to support and he suggested i change browsers from XXXX to XXXX edge and i was able to log in to pay bills, and what i think happened was my robinhood account did not recognize my computer when i logged in it treated me as a new customer with no money, when i try to get hold of support it tells me to give my info which tells me there maybe someone with that emai lalready exists, i have sent my passport photo twice for verification and receive an email stating for me to verify myself by sending a passport photo how many times can i send a photo. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wella Fargo has a breech in their security and a glitch in their system and they would not admit to it. A fraudulent activity happened to my account online that resulted for a new debit card issued in FL under my name. I reside in XXXX. I have been calling and reporting to Wells Fargo. XXXX XXXX I and my family were in XXXX and a the fraudsters from FL used a debit card under my name charging {$610.00}. I disputed the transaction, but Wells Fargo denied it. I asked them proof to prove that it was me in FL, they said it is not the bank duty to prove it. Wells Fargo will not give me my {$610.00} back despite their own security fault.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: GA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-16
Company: Valer Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I already reported it to Federal Trade Commission. 
Debt collectors company name : Valer Enterprises INC Company Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Company # : XXXX XXXX  XXXX License # : XXXX On XX/XX/XXXX - i received a letter from Valer Enterprises, INC. regarding an alleged debt amounting to {$2500.00} from XXXX XXXX. 

On XX/XX/XXXX- Valer Enterprises, INC. received my response telling them that i do not owe the debt and that i am a victim of identity theft. And they should dispute the debt because i do not owe it. I requested for following information to be provided to me. 
-amount of alleged debt -full name and address of the creditor -any judgement/documentation showing they have verified that i am responsible for the debt -documentation showing they are license to collect a debt On XX/XX/XXXX, XXXX they sent a letter with enclosed verification that i requested. However, i found it odd that all the evidences they sent me looks fake. There are names that i do not know and bank account that i do not have. 

I called XXXX to verify their license and i was told that their license expired XXXX and they are not allowed to operate and to just disregard their letters. They have been calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX of 2023 I received an email that my mortgage that was XXXX XXXX was being sold or transferred to a new mortgage company called Newrez. Subsequently on XX/XX/2023 ( exactly seven days before payment was due ) I received an email from Newrez stating that my XXXX XXXX loan was being transferring to them ( Newrez ). The email said that the effective date was XX/XX/2023 ( seven days ) and my loan activation date was XX/XX/2023. Newrez also provided a loan number. The email also stated that on XX/XX/2023 I would receive a detailed welcome letter along with due dates, information about my loan, and due dates. On XX/XX/2023 I did not receive any mailed written notification from Newrez. I still don't know how they obtained my email information. On XX/XX/2023, after receiving no additional information, including no mailed welcome package, no disclosures, no nothing from this new mortgage company, I called Newrez. I spoke with someone who stated that they were attempting to collect a debt. I informed them that the transfer of my loan was handled very poorly. I never received any mailed notification of the transfer from Newrez, I received no welcome package, and even the loan number in the original email was showing up as " not found '' when I tried to set up a new account on line. Frankly the transferring of this loan seems like fraud. I told the representative that I must have something in writing about my new account. I also asked why the welcome package had not been mailed out. He provided me with the excuse that they had a lot of accounts being transferred over and had fallen behind. It is now XX/XX/2023 and I still have not received any welcome package, disclosures about the loan, the amount transferred over, the interest rate to confirm that it is the same, or a payoff amount- which was also requested. This loan and payment is now 45 days past due, and I am concerned that on day 60 Newrez will report me as delinquent, even though they have not complied with any of the requirements for a loan being transferring. Each time I call them the representative just says I can pay online, but this does not guarantee that this is who I'm actually supposed to pay, or that this company is truly even responsible for servicing my loan. I received an XXXX statement at the end of XXXX, but this has been all I received. I need some immediate answers and help, because I don't want my credit messaged up by this being reported as past due or late. Are there federal guidelines that mortgage companies have to comply with that covers this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.

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 2023-08-16
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchase an item using PayPal and never received the item. I have proof the funds were transferred to the seller. All attempts to contact seller have failed. Paypal Dispute Resolution Website is not working. PayPal transaction ID for this matter is XXXX. Seller is XXXX. Thank you for your help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation