BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: BANK OF THE WEST
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.

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 2015-04-06
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
XXXX has frozen my safe with {$100.00} in it and is not allowing me to access my funds. I have been trying for 2 months to access my funds, but the account has been frozen. I have been trying to contact customer service, but have been unable to reach them. They are holding my {$100.00}, and I want to either load my card or have them mail it to me. 
My username on their site to access my safe is XXXXXXXXXXXX 'm attaching a picuture of what happens when I try to log in. There is {$100.00} in the safe that is mine and they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Nationwide Debt Solutions calls my work constantly. The debt is in my Husbands name and not mine. This Lady keeps calling even when we have told her repeatedly not to call my place of business. She has been very rude to our office personnel.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MO
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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$8000.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One Bank has the wrong balance on my account with them. I owe them {$170.00} and they keep adding Bogus Charges to my account. I want an investigation into their practices. 
They are over charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: EOS Holdings, Inc.
State: MD
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:
This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) GOLD KEY CREDIT INC ; and 2 ) XXXX XXXX XXXX XXXX I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.

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 2015-10-16
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
Has not posted my direct deposit in the amount of {$1100.00} on my payday which is today. When I call no one can tell me when it will post or why it has not. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My tenant was served papers at XXXX of my rental properties for a debt that the attorney office is attempting to collect. My tenant advised that the papers were merely left on the front door step and when they went to see who had come to the door they found an envelope that was not addressed to anyone, so they opened and found summons papers addressed to myself and wife. 

I am disputing this debt for the following reason ( s ). This debt does not belong to me. Additionally this was improper service. My home is XXXX miles away from the house that my tenant was served papers at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard shut my account down reissued me a new card. Thy did not require a signature on delivery. Due to tht my card stolen someone activated my card with my info and stole my money. If signature was required this could have been prevented. I filled out police report and disputed. But rushcard says due to my info used they refuse to refund. This is n't fair I did not authorizes the activation, someone stole my XXXX cost me XXXX for another card. Rushcard allowed it. Yet tell me I 'm a valued customer. Yet wo n't allow a refund as it seems I 'm a liar. I work hard for my money I deserately need that money. I feel thy feel I 'm lying. I would n't do that! If they would have required a signature. I 'd still hve my money. So much hardship for me from this. Migraines my electric shut off. Really was n't treated as I was a valued. Customer. Ups said they 'd even refund rush. To treat me as I was valued. I feel thy should have taken my word with police report and refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Source Receivables Management LLC
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 is not mine

Complaint:
Collection of a debt in someone elses name and violations of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am now getting another wage garnishment order from a different company than before and I am at my wits end. I work very hard and understand I need to repay my debts but I can not live like this. I am looking in debt consolidation but I feel so overwhelmed and I do n't know what 's a scam and what 's not anymore. It should n't be this difficult to fix your finances or save money. I do n't believe it 's fair that no matter how hard I try or work all my money is being taken out of my pay checks. My school was shut down by the government ( XXXX ) and I was n't able to finish yet i am still on the hook for thousands of dollars i ca n't pay back fast enough. When my school is not even around any longer & I was unable to graduate. This is not fair. Please help 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 2016-05-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty

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 2016-02-11
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX of XXXX submitted a debt to collections that was paid by my insurance company. I spoke to my health insurance company and confirmed check # XXXX was sent to XXXX XXXX XXXX on XXXX/XXXX/15 and cashed on XXXX/XXXX/15. I spoke a representative name XXXX with Ability Recovery Services in XXXX and explained the situation. She stated there is nothing she can do that XXXX XXXX XXXX has to close out the account. I spent two weeks attempting to reach a representative with XXXX and each time I called I received a voicemail with a recording stating the mailbox is full. I called back to Ability Recovery Service and spoke with XXXX who stated there is nothing she can do and that the account has to be closed by Advance Urgent Care. I advised her that is unacceptable and that she needed to do something about this. I told her that this is account is reporting on my credit and therefore affecting me in obtaining licensing needed for work. She said she " does not need to do anything '' and that she is " getting paid either way ''. I asked for her manager and she said " no '' she would only transfer me to the voicemail. I told her I will hold to speak with a manager. She said " that is not how it works '' and blind transferred me to the voicemail of XXXX XXXX. I left a voicemail message for XXXX XXXX the " manager '' and have not received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called frequently and at odd hours including weekends. They were rude and wanted information from me without telling me who they were. Asking for my private information. I was laughed at hung up on and talked down to for wanting to know who was calling me and why. I was cussed at also by them. They would n't help me with anything I have never received a paper letter from them saying I have a debt with them. They called from multiple numbers, if I answered I got a man who you could n't understand who then forwarded you to the company who asked why you were calling them. They are completely unprofessional and crazy. They think people do n't know the law and what they are allowed to do and not do. After I finally got to then and not hung up on I started quoting the law to which the manager laughed hysterically and told me to be quiet little gir ( I am not a little girl )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.

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 2017-03-02
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Suttell, Hammer & White is a credit buying agency that falsely obtain judgments. I was notified of a judgment that according to the court document was issued on a Saturday. Then there was a court date scheduled for XX/XX/2017 but their judgment states it was issued XX/XX/2017 ( Saturday ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property.

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 2016-09-26
Company: D2 Management LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone keeps calling my husbands phone to collect a debt in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

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