BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sold a XXXX XXXX XXXX XXXX on line through XXXX  and the customer paid {$3500.00} for the machine and {$100.00} for the shipping of the machine. The customer paid through PayPal and took out {$100.00} for their fee. Which left a total of {$3400.00} which I had not received any part of to date. On XX/XX/XXXX I sold through XXXX  a XXXX  XXXX XXXX machine for {$3500.00} and {$190.00} for shipping. Again the customer paid trough PayPal and PayPal took out {$100.00} for their fee. Out of this second transaction PayPal released to me {$2500.00} which leaves an outstanding balance of {$4500.00} which is being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX XXXX. My loan Number with Wells Fargo is XXXX. Due to a job loss with XXXX, I got behind on my mortgage for my home. After some time I was able to secure additional employment with another company. I contacted Wells Fargo immediately to alert them of my current circumstances. I requested a loan modification with possible principal reduction, interest rate reduction or an extension of the loan. I requested the loan modification in writing and directly with a loan officer in an office in XXXX, North Carolina. I also had some discussion ( in writing ) with the bank 's CEO.I was told that a modification would be possible and began making payments based on the modification. While waiting for my official modification, I started receiving letters from an attorney from XXXX and XXXX indicating that I was my loan was in default. This harassment continued although I was told that the modification was forthcoming. After several months, I received a letter by the attorney representing Wells Forgo stating that my house was being foreclosed. I was told that it was sold to a third party and that I had no other choice but to vacate the premises. My discussion with the attorney- XXXX XXXX XXXX throughout XXXX. I was told that I had to until XXXX XXXX, 2015 to vacate the property. I received no further notices, nor did I sign any papers or affidavit, nor appear at any court hearing. I was not notified about any hearing or sale of my property. I went to my house on XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina only to find that I was not able to gain entry to my house. The locks had been changed and were dead bolted by a realtor 's lock. There was a note on the door to contact someone for questions regarding the lock. I contacted the number and it belonged to a XXXX who was sold the house. XXXX indicated that he had discarded some of my possessions and that I may not be able to get back in at that time. After some heated discussion with XXXX, I was able to get him to come and unlock the door so that I could get my things. Upon entering the house I found that there were several items missing : - XXXX '' in color television, sectional sofa, kings size bed, dining room set and mattress. XXXX indicated that he asked the neighbors if I was returning and that they had no idea. Those items were discarded without my permission and I was locked out of my house without warning, court order or official papers from any attorney or judge. I was promised that I would receive a modification but I was tossed out instead without notice or recourse. Furthermore, I was assessed a tremendous amount of late escrow and penalty fees on top on top of the mortgage while waiting for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Blitter and Gaines are trying to collect on a disputed debt that has reached the statute of limitation and trying to collect on this disputed debt from out of my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I RESIDE IN WISCONSIN ; XXXX COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY XXXX PROPERTY TAX PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN XXXX THAT THE TAX CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF XXXX. ON XXXX MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY XXXX. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TAXES WERE NOT PAID BY XXXX AND SAID INVESTIGATION WILL BE COMPLETED ON XXXX. FREEDOM MORTGAGE IS STATING THEY WILL PAY THE ADDITIONAL LATE FEES AND OR PENALTIES ASSOCIATED WITH THE LATE TAX PAYMENT. THE LATE TAX PAYMENT WILL HAVE A NEGATIVE AFFECT ON MY WIFE AND I CREDIT SCORE/RATING. 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 2016-01-27
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a XXXX debt that has circulated among collection agencies. I have sent dispute letters each time that I do not owe this debt. I have never subscribed to have XXXX service nor have I ever authorized anyone to open an account in my name. I have requested proof that I opened the account and that I have ever made payments on the account but all they do is switch to another collections agency. Then the new agency puts it on my credit report. This is really annoying. I should not have to keep disputing a debt I do not owe. If there was an account started in my name, they should figure out who was paying it and go after them. I DO NOT OWE THIS DEBT. I will greatly appreciate any assistance you can give me to stop this madness. The current collections company is ERC ( Enhanced Recovery Corp ). I have disputed this with XXXX because it is showing on my credit report.

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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2016-07-14
Company: Avant Credit Corporation
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a few medical debts that i have been paying on since 2012 and the balance will not go down.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: URS Holding, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Sterling Home Loans Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a 1st and 2nd loan on my home. The predatory lender on my 2nd started a default judgement XXXX/XXXX/15 also called foreclosure. I have sent the 2nd lender the full amount of money owed via a certified check to get my home out of foreclosure. The 2nd lender says they will not apply the check to my account to bring it current until my 1st is current. My 1st is not in default or foreclosure. The property has a lot of equity over the 20 years I have lived here.

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 2015-06-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015, I paid in full a medical bill on my husbands behalf. While on the phone, the agent stated there was a second bill and collected as well on that account. In XXXX 2015, I discovered the second bill she collected on was not my husbands. Same name, but different states, different birthdates, and different social security names. I have been trying for over XXXX weeks to get a refund of the money I paid to another individuals bill. I have sent in a copy of my husbands drivers license to prove it is in fact not him, copies of the payments I made, and have made countless attempts to talk to a supervisor. No one will return my calls or let me speak with a supervisor. Not only have they given me demographical information for another individual which violates HIPPA, but have been neglectful to correct a situation that they caused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.

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 2015-07-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
BBVA Compass is scamming customers. 
When a customer pays their credit card bill at the BBVA Compass website, here is what happens : The funds are IMMEDIATELY withdrawn from the customer 's checking account. 
However, it takes 5 days to post to the credit card. 

I often transfer {$5000.00} from my checking account to my credit card balance ( on the BBVA Compass website ), and this happens everytime. 

Bottom line : they TAKE my money out of checking immediately, but withhold the payment to my credit card for 5 days. This is unfair to the consumer who now can not access the money from the checking account, but still does not have their balance cleared on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.

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 2016-03-10
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our lender, United Wholesale Mortgage ( UWM ), has had problems from the beginning. It took nearly 3 months for them to be ready to close our loan! The night closing was scheduled, my husband and I discovered that they made a typo in our payment information, and doubled our property taxes, using the yearly rate for the half rate. After discussing the problem with our title agency and our broker that night, we decided to go ahead and close, ( this was XXXX/XXXX/XXXX ) and then just receive the refund on the escrow account once it was recalculated in XX/XX/XXXX. When I received the escrow notice last month, however, I was stunned to find that rather than including a refund check, UWM stated that we owed an additional amount due to an escrow shortage!!! Our taxes, according to the county tax auditor, are to be {$1800.00} a YEAR, and UWM was stating that we now owed something close to {$6500.00} a YEAR. When we called UWM to sort this out they informed us that they have on file that we also " own '' the XXXX adjoining parcels to our property, and thus were trying to collect taxes on them, also. They even sent a check to the county, who promptly rejected it and returned the funds to UWM ( since the rightful owner had already paid the taxes for that year ). We have been attempting to get UWM to correct this, refund our overage, and recalculate our escrow account since XXXX/XXXX/XXXX ( but remember, the original mistake goes back to XXXX/XXXX/XXXX ), and have not had any success whatsoever. You can clearly see on the title, the deed, the county map, and all corresponding paperwork that we only own a single parcel, but that has not been sufficient to please UWM, apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!! 

Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CBC Companies, Inc.
State: UT
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:
My credit score was pulled by factual data without a signed credit app or my authorization. XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation