BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: ZIONS BANCORPORATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my account.

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 2022-10-01
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I received my XXXX XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. XXXX refers to Ford and Ford refers to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. 

Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: 21ST MORTGAGE CORP.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Overdraft, savings or rewards features

Complaint:
I added {$200.00} to a Reloadit card and i never was able to get my money they told me the website was having trouble. The customer service WAS TERRIBLE i just took XXXX bucks of my hard earned money and put it on this card and POOF it was gone into XXXX KNOWS WHOS POCKET. I called over 5 times and it was the same thing we can not help you keep trying to create a safe on our site to put your money into and i kept getting the same error and when i would call them i would get the same run around. I just feel so taken advantage of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12
Company: Convergent Resources, Inc.
State: GA
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:
With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Alorica Inc.
State: TX
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 have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car from the XXXX XXXX in XXXX, Florida and the manager told me that I could return it at the end of one year and negotiate a different lease with Ford Credit and pointed to XXXX cars in his lot that he stated were returned prior to the end of their lease and just after one year and that it was acceptable to Ford Credit. 
I returned with my car on month eleven to discuss with the dealership and they referred me back to Ford Credit who informed me that they did not negotiate any leases and the manager had no right to make that statement to me. 
I returned the car and Ford Credit pursued me for a judgement and stated that they took the car to a wholesale auction and let it go for a very low amount and obtained a judgement against me for approximately {$22000.00} plus legal fees and interest. If I had continued to pay the remainder of the lease then I would have paid less than {$19000.00} and I am currently looking at a payoff about after negotiating with a collection attorney ( XXXX of XXXX, Florida ) for {$25000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
i was not aware of a debt that i am being garnished for. no proper communication to aknowlodge my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Financial Credit Service, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: The Regional Adjustment Bureau, Incorporated
State: MI
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 received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: I.C. System, Inc.
State: NY
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:
I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. 

However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. 

In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. 

In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. 

Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. 

My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: I.C. System, Inc.
State: NC
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:
I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.

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 2017-02-16
Company: Paypal Holdings, Inc
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased golf shoes on ebay for {$100.00}, and used PayPal to pay the seller for the item. PayPal placed my charge on their PayPal Credit without my authorization. I wanted to pay for the item immediately through PayPal with a bank account. When I discovered the error, I tried to reimburse PayPal via instant transfer. PayPal would not let me. I had NO option to pay on the unauthorized credit charge. The site told me there was no payment due, despite the fact that it showed the transaction and the debt. It is now 4 days since the transaction and I was finally able to pay off the charge. Today, with no debt due PayPal, I am trying to close my PayPal account. I can not. I manage to locate the CLOSE MY ACCOUNT link ( a task in and of itself ), yet when I click on it, I get a spinning wheel on a white page that says One Moment ... Eventually, I am returned to a Settings page without PayPal taking any action. I am unable to close my account. The company 's process is untenable and unethical.

Company response to consumer: Closed with explanation