BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: First Data Corporation
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXX with a friend who bought a XXXX. 
in that process he opened XXXX XXXX and needed merchant service accounts ( servicing all the credit card trasnsactions ) at all XXXX locations. I had to sign the merchant service agreements for all XXXX locations for a five yr term as his credit was n't good enough at the time. After 2 years all the stores had failed. The Merchant service company -First Data wanted me to pay for the {$540.00} a month for each store after they were closed for the remaining 3 years. I offered to send them back their equipment and told they are no longer offering any service. They wanted a settlement figuire for a substantial amount. I was trying to work out some arrangement with them so I offered a {$100.00} a month for as long as they wanted the payments to be made. They wanted some lump sum settlement and then they filed on my credit report that it was " Bad debt & placed for collection & skip ''. This is what is reported under XXXX. XXXX shows it as " Charged off as bad debt ''. 
It has caused my credit score to drop seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: The CMI Group, Inc.
State: IN
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 continue to receive phone calls from XXXX. When I call back they answer " XXXX '' They are looking for someone else. I have told them NUMEROUS times I am not the person they are looking for and to remove my cell number from their records. They always say they will and then the phone calls continue. this has been going on for six months. When I call back they will NOT give out any info on the Company making the calls and Hang up on me!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Northland Group Inc
State: SC
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:
Receiving collection notice from The Northland Group via XXXX XXXX XXXX Bank. I have received letters on dated XXXX XXXX, 2015 to my cosigner and XXXX letters dated XXXX XXXX & XXXX to myself and my cosigner stating that XXXX XXXX XXXX bank has provided our information for collection activity. My loan through XXXX began being serviced by XXXX XXXX XXXX XXXX XXXX ) in XXXX. Regarding whatever the payment is, A representative from XXXX never attempted to contact myself or my cosigner. I also contacted The Northland Group via a contact form on their website stating the issue and that my loan 's payments have been sent and received by XXXX. I have not gotten a response other that the XXXX letters recieved today XXXX XXXX, 2015 that I mentioned earlier. XXXX notified me In XXXX 2015 of this change. All supporting documents will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.

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 2015-10-10
Company: Credit Protection Association, L.P.
State: NJ
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 see on my credit report that there is a collection account for something I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-26
Company: Credit Protection Association, L.P.
State: DE
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:
CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature

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 2015-10-22
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-28
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My sister in Iowa purchased a reload it money pack in the amount of {$150.00} to be transferred to my XXXX card. Reloadit.com requires customers to establish what they call a " safe '' for fast secure money transfers. It has now been 48 hrs and I have yet to receive access to my funds. I have rudely been advised by reloadit.com 's customer service that they are experiencing technical difficulties with no ETA of when it will be resolved. This was an emergent situation and my family has had to suffer without food and now possibly electricity because of not receiving timely funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Dynamic Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.

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 2015-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have an online savings account at CapitalOne360.com XXXX originated from INGDirect which was bought out by COBank ). I make monthly deposits into the account and regularly make withdrawals into my XXXX bank account ( linked to the savings account ). On XXXX I scheduled a withdrawal from CO360 to the XXXX account to drop into XXXX on XXXX. This morning, I logged into XXXX and it was n't there. I then logged into CO360 and it was n't there either ( see attachment ). I called XXXX and they said it was n't in the XXXX for today at all. They had no evidence that it was anywhere. I then called CO360 and said where 's my money? because it had been taken out of my CO360 account altogether. They claimed it would take 2 business days to get to XXXX. I said I get that when I make an unscheduled withdrawal but that is not right for a scheduled withdrawal. And never since I 've owned the account, whether making a scheduled or unscheduled withdrawal, has the withdrawal shown as gone from my CO360 account and not deposited on the same day to my XXXX account. So, in order to get the deposit to XXXX as scheduled, I was required to wire the money at my own cost of {$30.00} or wait until Tuesday to get the money to XXXX. So, I was no longer the " owner '' of the funds in either location. My {$2000.00} was in someone else 's possession altogether, being used by someone else to get the " float '' and I was no longer getting anything, interest or use. In fact, for all I know, it was in the pocket of some hacker in XXXX. This ca n't possibly be legal. I get that they can, as an account term, take 2 business days. But never for those 2 business days has the money not still been shown as being owned by me in my 360 account. This was the first time ever they pulled this stunt. I will be demanding the refund of the {$30.00} shakedown and closing the account now, but I hope you will investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Radius Global Solutions LLC
State: CO
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:
Received Collection notice in mail for Creditor : XXXX, XX/XX/2016. We cancelled services with them XX/XX/2016 and had the final bill showing full payment received. No bills or other communications about an amount owed were received for 9 months, until we received this collections letter. Upon receiving this letter we contacted XXXX to determine what this {$43.00} charge was for, and after 2 hrs and 12 mins ( which amounted to 4 calls since on one of them the line somehow " disconnected '' instead of going to a supervisor, to them ), including them telling us to call XXXX as they said this was a charge XXXX sent them and then XXXX should have then billed for it. We have conflicting information from the XXXX XXXX reps we were routed to in four calls as to what the charge was or why a bill was never sent or claiming a bill was sent even though we have n't changed addresses. XXXX today finally said they could produce a final bill, but it has to be mailed, which will take " up to 30 days '' they claim, and it is impossible for them to send an email or other electronic bill so that we can verify the charge is valid and make a payment. As they know, we were out of the country for 3 weeks, so we had 1 week since receiving this notice to reply to the 30 day request from their 3rd party collector. Funny how 1 day before our response is due they are able to mail a bill that will take up to 30 days for us to receive. we have never had anything in collections and so we went ahead and paid the amount, because we would never want anything against our credit, but seeing as the creditor never provided any proof of the charges it makes us think big company taking advantage of the consumer since they do n't care about our credit. As a financial services auditor that knows processes and collections, I believe that XXXX has a process breakdown in which charges that happen for a consumer through their partner XXXX XXXX sending out their final bill do not make it to a billing cycle, so as a result, those charges sit there, and then when they pull the data for unpaid amounts, the amounts show in that data that is then sent to their 3rd party collectors. Not a single rep could find in our account any of the normal steps one would expect from your Cable provider 1 ) when or how the additional final bill was sent, 2 ) when this supposed bill was unpaid after 30 days, why there would n't have been any follow-up to us, as the consumer, such as a call, or another notice ( mail or email ). I called the 3rd party collection agency that sent the collection letter to let them know about this struggle to determine what the amount was for, and they said they have had a lot of similar issues with XXXX collections.

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 2015-10-07
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Lockhart, Morris & Montgomery Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.

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: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Clear Debt Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Multiple threatening calls to my cell phone, my husband 's cell phone, my work phone and co-workers phones. All claiming a debt not on my credit report. They state they wo n't even tell me who I supposedly owe. They state that they are BBB accredited but the company name only shows on a similar named company as not associated with. I spoke to my local police department and they said to ignore because I need full name and address to file harassment charges. They will not give me that information. I blocked the number on my cell phone but can not do that with work phones.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.

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 2015-08-11
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief