BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.

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 2016-02-06
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was being inundated with phone calls from this company and threatened with a law suit if I did n't pay. The next thing I know someone appeared at my door and said he way a process sever and I was being sued by Credit Consulting. 
I called them immediately and made arrangements to pay them. After I paid them a total of {$1500.00} I was told I needed to make a lump sum payment of {$2000.00}. I advised them I did not have the money to pay all at once but that I could continue with our previous arrangement of {$500.00} every three weeks. I was told that I needed to hurry up and pay the lump sum or I would be taken to court. 
I told them I would call back. After that, I called my previous employer and asked why the medical bills was never paid and they told me I was not supposed to pay the bills because I had coverage but they were never submitted to my insurance for payment. 
I did try to explain to the representative from Credit Consulting in the beginning that I had insurance but was told this was the balanced I owed from what my insurance already paid, so when they threatened me with a law suit I agreed to pay them because I was scared and they had already placed the accounts on my credit. Now I have paid them {$1500.00} of money that I had to borrow and I do n't even owe them and they have damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Nationwide Biweekly Administration, Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been using National Bi-Weekly Administration , Inc bi-monthly payment plan for about a year to pay for my mortgage. I received literature in the mail and called to inquire about this " service ''. I was immediately sold on the idea of paying my loan off sooner and that this was the best way to do it. I feel that this company does not act in the best interest of the consumer and they rely on misinformation to sell their " service ''. I feel cheated and angry. Frankly, it is humiliating to realize you have been taken even for its relatively small amount. I want to help ensure this does not happen to others. I feel like NBA is n't providing a service at all like what they advertise. I feel the service NBA offers it that of someone that takes your mail to your mailbox for you. If they were to describe it in such a manner it would not be nearly as successful.

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 2015-12-25
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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 2015-10-16
Company: American Credit Resolution, Incorporated
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-04-01
Company:  Lippman Recupero, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am unaware of any possible reason why someone who attempt to collect $ XXXX+ dollars from me from a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NC
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:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/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 2022-08-25
Company: WELLS FARGO & COMPANY
State: NJ
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:
I had over {$20000.00} in my wells fargo account XX/XX/2022 Monday morning. I woke up Tuesday XX/XX/XXXX with numerous charges that drained almost {$10000.00} from my bank account. I called Wells Fargo and had it marked fraudulent. They canceled my debit card and are sending a new one. Wednesday morning I woke up and over {$7000.00} more was taken from my account. Over 2 days all of my savings have been wiped out. You figure as I NEVER spend money like that the bank would stop authorizing charges how could they even let someone drain 95 % of an account in 2 days without as little as a phone call???? I'm freaking out and don't know what happened. There is about 40 to 50 charges from " XXXX XXXX XXXX '' and " XXXX XXXX '' each for {$200.00} to {$300.00} I have used XXXX  app in the past. After reporting to the bank I have restored my phone, changed my XXXX, and all my passwords. Deleted all of these apps and changed my passwords. I don't know what to do and feel like someone just took everything from me.

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 2016-04-21
Company: Windham Professionals, Inc.
State: KS
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.

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 2016-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX My wife and I with our XXXX very young kids sold our home in XXXX and repurchased a new home in FL, unknowing to us at the time we were given a subprime loan by someone we trusted/realtor we trusted. I was a XXXX in the city of XXXX and wife worked as a XXXX helping sick and elderly people and we both made a decent salary to support ourselves and our kids. At the time we were n't to savvy on how a subprime loan work believing it was the same type of loan as our previous loan with our first home, only later to find out there were investors included this loan for the XXXX home by that time it was too late however we remain persistent and try to make our payments which was astronomical and begin to cause hardship for us, things got so stressful my wife and kids begin to hate the fact that we moved to this new home, she was later diagnosed with a XXXX and had to have it surgically XXXX and as for myself i was suffering from injuries I sustained during the XXXX while working as a XXXX, after her XXXX she decided to move back to XXXX and my kids would later follow her and despised the fact that we had relocated to FL in the first place, meanwhile I was diagnosed with a XXXX which followed by XXXX along with XXXX, XXXX, XXXX, XXXX XXXX XXXX, plus XXXX XXXX. I do n't know how i am able to survive but I am still here by the grace of XXXX. I applied for XXXX from what I understand there is a backlog which mean I have to wait until they get to me. Meanwhile, I am unable work, even if I was able to work I would not be able to find work, as a former XXXX there are no XXXX jobs available. The savings that I have is starting to deplete, I like my home I do n't want to lose it but it seems I am heading in that direction if can not my payments, the mortgage company is starting to call because they believe I will not be able to make my payments time is running out it appears I may have to sell my home in the next month or two and the selling price is very much lower from the time I purchased it in 2006 because of that ridiculous subprime loan that was given to us, when in actuality my wife and I were working professionals helping to protect the public, providing XXXX to the sick and elderly and this is how we got treated in return.

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 2015-08-23
Company: Midstate Collection Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
After system glitch, I am missing XXXX dollars due to incorrect balance projected. Funds were also removed from my saving account without concent and removed from my transaction history. I have contacted rush card for over 2 weeks without a resolution I 've been avised it would be resolved at the highest priority. No one has us reach out to me via phone email and or XXXX on social media. I have multiple screen shots proving unauthorized activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 2016-02-10
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
They have incorrect names on the report. 1st Violation I called about having address and phone numbers removed. XXXX Address on report 2nd Violation. XXXX phone numbers XXXXrd Violation. XXXX XXXX data reported 4th Violation XXXX accounts 5th Violation. XXXX Regular Inquiries 6th Violation. XXXX XXXX Inquiries 7th Violation. XXXX XXXX  XXXX Inquiries. 8th Violation. XXXX XXXX XXXX 9th Violation. I never consented to have any of my information shared with ANYONE.

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 2015-10-24
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: H. Kent Hollins, Attorney at Law, P.A
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation