BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, a friend transferred {$170.00} to me in a Venmon mobile payment service. I had an issue transferring the money in my own personal bank account so my daughter decided to transfer the money and it was accepted. I called Venmon to verify the transfer the following day and the bank account as required. In addition, on Saturday, XX/XX/2023, I called the representative and ask if there will be an issue with transferring the funds to my daughter 's account because it is not in my name due to having problems making a transfer in my own account, she said it would not be a problem as long as my daughter verified the account. The same day my daughter verified that the account along with the bank is in her name. On XX/XX/ 2023, I received an email stating that the funds were not accepted from the bank, therefore, Venmon has frozen my account and asked me to send a photo of my identity and I did so. I was told I had to wait 5-7 days to get my account unfrozen then XX/XX/2023, I received a second email requesting additional documentation of my identification and bank statement, although the document is not in my name as I explained to venmon I sent it any way they stated it not efficient enough. I need assistance at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Threatened that I would be sued or was being sued by HSBC. This caller ( with a masked caller ID XXXX stated that '' he did n't want to have to notify XXXX named my employer ) with this '' XXXX take it to them XXXX but had to speak to me TODAY. I researched and found that HSBC might mean any number of companies of credit. I have had no contact with any of those companies in more than XXXX years IF at ALL. I firmly believe that this company is pursuing debts that exceed the statute of limitations and are trying to use bullying tactics to do such. I did contact a financial attorney today and informed him of the issue and the recording I have of the gentleman threatening to contact my employer about a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX  for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year. 

We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet. 

It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment. 

I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
I recently submitted ( XX/XX/2016 ) a complaint to CFPB re. the inordinate delay ( two months, twenty days ) that American Express took to post a charge of {$5400.00} to my account ( Complaint # XXXX ) The message of American Express ( XX/XX/2016 ), following my complaint to CFPB is wholly inadequate ( see attachment ). 

First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : " American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually, if they had thoroughly researched their records, they would find that the recent inquiry was actually the third, in regard to the {$5400.00} XXXX charge to which they refer, going back to my first inquiry, of early XXXX 2016 - over three months ago! 

The only difference between their non-response of early XXXX, and their immediate response of XXXX XXXX 2016, would seem to be my complaint to CFPB earlier that day. 

Thank XXXX for the CFPB! That an overbearing financial behemoth, such as American Express, would actually make at least the appearance of a genuine response, to a humble consumer such as myself, would seen to be a huge step in the right direction. 

I ca n't adequately explain the frustration of restating again and again to representative after representative, my grievance regarding the unconscionable delay of two months and twenty days, which American Express took to post my charge of {$5400.00}. 

And each time, the representative, after listening to my grievance, would ask : But the charge was valid, correct? As if the delay itself was not a valid grievance! The delay is the grievance in its entirety. 

As related in Complaint # XXXX, the delay allowed me to unwittingly exceed my credit limit by {$5000.00}. The validity or invalidity of the charge is irrelevant. 

I completed their Survey, which they claim to be " administered by an [ unnamed ] independent research company, '' gave a detailed account of my grievance, and submitted the complaint. Or rather tried to. A message indicated that there had been a technical problem. Complaint lost. How convenient for them. 

I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey, but this time, instead of restating my grievance, I will refer them to Complaint # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for Midland Funding, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}. 

Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit. 

At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ). 

Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : Midland Funding LLC Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later. 

I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims. 

http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received a call today XXXX XXXX, 2016 from Transworld Systems , Inc from agent XXXX XXXX claiming I have XXXX outstanding Federal Student loans in their office and I must set up a payment plan with them. I explained to him that the only XXXX federal student loans I have outstanding are with NAVIENT and I am currently making payments to them on a monthly basis. The agent stated that I may be right about giving payments to XXXX but that I still have XXXX other Federal Student loans delinquent in their office. I am very confused about this and it concerns me, as it is not reporting on my credit report. The only student loan reporting on my credit is from XXXX. I would like to receive some assistance to get to the bottom of this, as this may be a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The above debt was originally due to XXXX, XXXX. However, due to job loss and economic down turn -- I stopped payments. In 2013, I went from working a 5hr job to that of an 8hr one. However, in recent years the above agencies Midland Credit Management , Inc. a subsidiary of Encore Capital Group have resulted in FULL out harassment tactics. They are having me surveillanced/followed in my daily comings and goings, especially to and from work! 

I have been able to take some photos of some of their operatives. They are not shy about their efforts, often by walking in slow proximity, and looking back over their shoulders at me. In addition to sending " hasty '' text messages into their cell phones once they are sure of who it is they are tracking. Up and to a point, they were taking actual snapshots on their cell phones. It was n't until I spoke to a debt attorney over my cell phone, who clearly announced that they should stop it immediately. And yes my cell phones have both been hacked on top of everything else. 

I will be contacting other Federal agencies in regards to these blatant violations. Thank your for your prompt attention to this matter. And look to hearing from you soon. Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX ALONG WITH THEIR CONSORTIUM CIRCUS VIOLATED MY CONSUMER PROTECTION RIGHTS ABROAD! ATTACHED FIND MORE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: FIRST NATIONAL BANK OF OMAHA
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 FNBO 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. FNBO refers to XXXX and XXXX refers to FNBO.

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: HSBC NORTH AMERICA HOLDINGS INC.
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:
XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am including a copy of my contract with Hyundai Motor Finance. They have yet to remove the late on credit file and as you can see from this contract, It does not say they have the right to apply late charges first, and show late on my Bureau. It only says about Finance Charge. I want this taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NATIONWIDE ACCEPTANCE LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Commonwealth Financial Systems, 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 is not mine

Complaint:
I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: SCOTTRADE BANK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX Time ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed with explanation