BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is complaint about Wells Fargo Dealer Services. 
We have a car loan through Wells Fargo Dealer Services. We make our payment using their online payment system. This XXXX 2016, Wells Fargo Dealer Services requested an additional {$1300.00} above what we authorized from our checking account which is with XXXX. I spoke with both Wells Fargo and XXXX who we our checking account with on XXXX XXXX, to try to correct this issue. 
XXXX : XXXX XXXX, we made a {$360.00} payment to Wells Fargo via their online payment system. 
XXXX XXXX, we made second payment of {$500.00} to Well Fargo via their online payment system. Our total authorized payments to Wells Fargo Dealer Services is {$860.00} XXXX XXXX, XXXX sent a payment of {$500.00} to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. 
XXXX XXXX, XXXX sent another payment of XXXX to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. This is {$500.00} more than the total authorized with the XXXX XXXX and XXXX online payments. 
XXXX XXXX, XXXX sent a second payment of XXXX to Wells Fargo which cleared our XXXX checking account. This payment was not authorized by us. XXXX claimed this payment was made as a retry request from Wells Fargo. As of XXXX XXXX Wells Fargo claimed they did not receive this payment and would not have requested a retry unless a payment had not cleared. 
XXXX XXXX, Wells Fargo agreed to refund the {$500.00} XXXX XXXX payment they received. Wells Fargo said we would receive a check in 5 to 7 business days. 
XXXX XXXX, XXXX refunded to our checking account the XXXX XXXX XXXX payment that was sent to Wells Fargo and not received. 
XXXX XXXX, We received the check for {$500.00} from Wells Fargo and deposited to our XXXX XXXX account. This deposit was placed on hold by XXXX for up to 10 days. 
XXXX XXXX, XXXX notified us that the {$500.00} refund check from Wells Fargo is being returned and not deposited. 
As of XXXX XXXX, Wells Fargo has held {$500.00} that they were not authorized to receive and claimed to refund for 21 days. And we incurred a {$5.00} returned check fee from XXXX. 
Wells Fargo is holding money that is rightfully ours for their benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was suppose to recieve a reversal from the merchant two days ago. However it has n't posted to my account there was an atm error in which the money that I was suppose to recieve was not dispensed to me however the full amount wss charged to my card. 
I have contacted rush card on a consistent bases just to get the run around. I am pregnant and ca n't eat because they have took my money. I have no help! I am devastated please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.

Company response to consumer: Closed
Consumer complaint received 2015-04-10
Company: NRA Group, LLC
State: SC
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 pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
unsolicited recorded call for dept collection. my number is on the do not call list, and have no outstanding consumer dept. 
Company name is RSI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For several months, I have been expecting to get my money back from Cashapp a Squareup company. I have messaged their support team NUMEROUS times for help. They are holding {$310.00} hostage in an account they closed stating we violated terms of service since we filed a chargeback for transactions that cashapp allowed unverified users to scam numerous members for thousands of dollars in order to aquire fees as income. We were punished with the loss of our account even after the charge backs were awarded in their favor due to the terms of service agreement that they DONT verify any member in accordance with the Patriot Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
As a former member of Scottrade Bank, whose account was closed due to an ongoing dispute, I would like to obtain a copy of Scottrade Bank 's dispute resolution procedures for account that was linked to Scottrade Brokerage account XXXX. 

Furthermore, I would like Scottrade Bank to elaborate on the policies present to ensure arbitration is conducted fairly and appropriately. Does Scottrade Bank have a 'carve out ' provision for small claims court and are there any considerations given to potential claimants that may not be able to pay arbitration fees. For example, consumers in XXXX challenged arbitration provisions XXXX required customers to accept for its electronic disbursements services under its " clickwrap '' agreement on its website. The provisions defied the Protocol by limiting their remedies and subjecting them to high costs through arbitration. Although consumers mainly used XXXX for small transactions averaging {$55.00}, the arbitration clause precluded any class or consolidated relief, and did not allow customers to pursue claims in small claims court instead of arbitration. Furthermore, XXXX 's arbitration clause required consumers to arbitrate in XXXX 's home state of California and prescribed application of the XXXX rules for commercial instead of consumer arbitration, thereby requiring consumers to pay high travel costs and an equal share of fees in excess of {$5000.00}. These factors accumulated to lead a California court to strike the arbitration clause as allowing XXXX to " insulate itself '' from any meaningful challenges of its practices. Further, in the event of XXXX conflicting arbitration agreements, such as an agreement of Scottrade Bank and Scottrade XXXX, is there any precedence given to any of the agreement or provisions?

Company response to consumer: Closed
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo refuses to increase my daily ATM withdrawal from {$310.00} to {$1000.00}. I am in XXXX for work and unable to pay bills in a timely fashion with cash. There is plenty of money available but they want their fees. Disgusting company.

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 2015-10-27
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Rushcard system is down my balance is not accurate they keep telling me it will be fixed soon. I ca n't even pay my bills because my funds are n't available due to their system outage. They keep putting me on hold and transferring me. The longest I 've been on hold was 50 minutes. Never had any issues before with them but now this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars

Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit, my XXXX report, and saw ENHANCED RECOVERY CO L Account # XXXX Original Creditor XXXX XXXX XXXX XXXX for {$960.00}. I just became employed after a COVID19 layoff. I'd like to settle the debt for {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I requested to have automatic payments stopped and it didn't stop. I take back my authorization to get money from account again

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 2015-09-30
Company: Dynamic Recovery Solutions, LLC
State: HI
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 receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
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 is not mine

Complaint:
Repeatedly continues to try and collect a debt that is not mine. The debt is owed by a person with a similar name. Mercantile Adjustment Has published negative remarks on my credit report, which were removed. I have contacted Mercantile Adjustment many times to resolve the issue and they continue to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently looked at my credit Equifax Credit Report and noticed a Bankruptcy # XXXX that did not belong to me. I quicky notified Equifax and disputed this incorrect information. 30 days Equifax claimed they verified the information. This can not be true because I already called the courthouse and they no information on me. They also told me Equifax never notified them about any dispute about me. I simply want this off my credit report because if you look at my credit you can easily see no accounts are listed under any Bankruptcy, because I never went Bankrupt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: The Affiliated Group, Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called my relative at the above mentioned number repeatedly after I advised that this was a relatives number and not my own. They refused to identify the name of the Company that they represented when ask specifically by my relative in order to take a message for me to call back. They also refused to put the number on notice when requested and continued to not only call the number several times a day but hanging up when my relative answered the call. He finally had to advise them that the had the wrong number and the phone calls have not ceased as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I had a line of credit that should not be reporting on my credit bureau. The credit line was originally with XXXX and then it was sold to XXXX XXXX in XXXX of 2014. My payments to XXXX were supposed to start XXXX of 2014 however I never received any statements from XXXX. In XXXX of the same year I receive a collections letter from LVNV Funding saying the line of credit has been sold them and is now reporting on my credit report. How can it be reporting any my credit as derogatory if I never receive statements or made late payments? I called XXXX XXXX and they have no record of this loan in my name of being sold. Due to the inaccuracies of this information I 'd like the CFPB to investigate this and ultimately have the collection removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2015-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation