BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Trident Asset Management, L.L.C.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX 2016, a new collection account had posted to my credit report from a company that I had never heard of. I called the company, because I never received any notification to dispute this debt prior to it been reported to my credit report. 

On XXXX XXXX, I sent a certified debt validation letter requesting this company provide me with proof of the debt that they are trying to collect. It 's been 30 days and they refuse to send me any information that proves to me that there is a legitimate delinquent debt that I owe to them. They are negatively impacting my credit report with inaccurate information and I was n't given the opportunity to dispute the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This debt it 10+ years old and they will not provide proof of the original debt. We mailed the cease of communication notice in XXXX 2015, it has been received by Dynamic Recovery Solutions and they are still contacting us by mail and phone. The latest letter I have is XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Wrong credit claim from XXXX XXXX XXXX owner : XXXX XXXX LLCCurrent Account No : XXXXCurrent Balance : $ XXXXThis is fraud claim by XXXX XXXX. The current debe collector is Dynamic Recovery Soltuons, XXXX XXXX XXXX, XXXX, SC XXXX. I file compalint in FTC ( XXXX,XXXX ) they vanish and again come back after few years. This has been going for the last many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: Risecredit, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My personal checking account I had linked to my Rise Credit account for XXXX payments was " Hacked '' into online and Rise Credit failed to/would n't update my new banking information so I could make payments and ultimately " charged '' the account off when I was fully in contact with them and ultimately paid the full balance to include interest. Due to this my credit score dropped over XXXX points and this was 100 % unnecessary

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.

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 2016-07-01
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Consumer injured and harm under violation American federal protection Law suffered in tort of her credit and under employment and fraud contract Auto Ford Credit and Auto Owner Trust, from XX/XX/XXXX- XX/XX/XXXX through present have No knowledge of Idenity theft and false reported, All Obligation paid Ford credit by check and relied on personal banking Bad faith, failure disclosed Revolving credit, Failure disclosed Extension of credit and XXXX XXXX , Multiple Jurisdiction ' Consumer federal protection violation,, and Local attorney general Sued complainant, caused to injured and harm in good credit, and Indirect purchased Auto and finance against her bank without consent ' or ' Authorized JOINT LOAN, Ford credit attorney illegally collection and Sued the Victim and falsely accused, XX/XX/XXXX DMV failure to issue New Tags , was told to pay the property Tax alleged when cancel checks shows paid in person, failure apply to cgredit, Finding My property Tax were transferred indirectly to BALTIORE , Maryland fraudlent apply to third part Truth & Lending, suffered in access {$70000.00} in cab fees and prevented Ford Credit Auto Owner Trustprevilage of driving, Pending Judical case No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: REGIONS FINANCIAL CORPORATION
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information 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 monetary relief
Consumer complaint received 2017-02-02
Company: Clark County Collection Service
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: AFNI INC.
State: TX
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:
XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. 

As noted in

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 2015-03-25
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week. 
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is refusing to remove or adaquatly investigate information that was previously deleted from credit report and that was agreed by collection agency to be removed. They are both XXXX XXXX XXXX. Both are satisfied and were removed from credit report and now are reappearing and should be removed. They are not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. ICOMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home discharged through the bankruptcy courts in XXXX. Now, I have XXXX mortgage companies harassing me over the unpaid debt. I have written them numerous request to cease and desist and yet they continue to harasses me on a weekly basis. XXXX XXXX has gone to the extent of repeatedly calling me on my cell phone over this debt. I would like this to stop immediately. I would also like to know if I can file suit against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Seterus, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Seterus billed for {$860.00} due for XX/XX/2015 which I paid on XX/XX/2015 as of XX/XX/2015 they still show me past due for XX/XX/2015 I have talked with XXXX different people with no help. I ask to talk with a manager they refused. I also ask for an escrow updated which they never sent. This company does n't know how to service a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Williams & Fudge, Inc
State: NH
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have both federal and private student loans. My federal student loans are under a payment agreement, however, the private student loan lenders will not work with me. All of my private student loans came out of deferment in XXXX of 2016 or within a month or two of that time period. I gave XXXX in XXXX 2016 and then had a 3 month unpaid XXXX leave. Now that I am back at work I am struggling to pay for child care and get back on my feet. It seems at this point the student loans will have to go into default because I do not have the money to pay the lenders. My complaint is that if the lenders would help I could and would be willing to pay. Also, for my loan with Citizens One I owe more in interest then the beginning balance of the loan. I originally borrowed {$8600.00} and now owe {$16000.00}. I have student loans with XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed 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 2016-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I opened up a secure credit card after my recent divorce.I did n't realize at the time it had a monthly rewards fee. I was able to get other credit cards that were not secure and decided to close the account. This account was attached to my business account and my office admin contacted Wells Fargo twice to have it closed. The third time I called myself. It finally closes, except by the time they do close it ( XXXX more months later ) ... and only after I got into a shouting match with the guy from Wells Fargo who did n't seem to understand that the card was secure and we did n't owe any money, and if acter were owed a little over {$50.00}. My office is receiving XXXX3 calls a day about 3 times a week. Then we received a letter today advising that due to our handling of the account they were closing and that we owed XXXX in late fees. An hour or so after getting this in the mail, Wells Fargo called ... and my office admin again got no relief and ended up in a verbal dispute with the debt collector. I am very upset with the tactics, the extra fees, and the refusal to do what was asked ... as well as the fact that Wells Fargo does not offer an option to close directly from the online banking portal. 

In addition, I was charged a {$39.00} late fee on XXXX/XXXX/2016 despite a payment being made on the XXXX which is shown on the statement. The reason that I closed the account on the date that I did was because I did n't want the XXXX charged to my account again and I could not locate contact info for the company. It was supposed to be an one time online purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Other

Complaint:
I recently found out about the Wells Fargo lawsuit. Last year I was contacted by a collection agency XX/XX/XXXX saying I had a credit card through Wells Fargo, which I do n't ever recall opening, thinking my ex may have opened it, and being that I am trying to get my credit situation in order I paid off the debt. The debt collector was XXXX in XXXX, IL. They said the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I tried contacting Wells Fargo but they kept giving me the run around and telling me they did n't have that information I would have to contact the Debt collector. After I heard of the lawsuit and read the court file I needed to contact someone and try to see if this was one of those accounts and if I would qualify for some sort of reimbursement.

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 2016-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have not been able to use my rush card or access my funds since Monday XXXX XXXX, 2015 and today is Tuesday XXXX XXXX, 2015. I have called customer service everyday three and four times a day and wait on hold for an hour or longer to be told they are working on it and they dont have an exact time it will be corrected. That is when I am able to reach someone the other time I get disconnected. How am I expected to live without access to my money, I have bills due and no food to eat, also no gas to get to work!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.

Company response to consumer: Closed with explanation