BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Couch Lambert LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX  has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: National Credit Adjusters, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I applied for my three credit report and saw this on the XXXX and XXXX  report. I never applied for this loan and have no bank account that had money put in nor paid for the installment. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.

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 2019-05-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was charged XXXX $ to repair my front bumper by XXXX in XXXX. When I picked up my car, they misaligned the holes for my parking sensors and didn't finish sanding down the edges. I then was told to come back and they would fix my bumper as they had painted an area that wasn't suppose to be painted. The manager ( XXXX ) at the place kept saying come back another date when they were less busy. Eventually I went down in person and they had closed that location. I then called the nearest XXXX which is in XXXX and they said there was nothing I could do and they didn't want to repair it. I opened a dispute with 5/3 bank saying the services weren't fully completed and they said that it was a valid claim and would not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except XXXX balance DECREASING on credit account. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports. This is the SECOND complaint I have filed for unjustified changes in the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: PNC Bank N.A.
State: OH
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:
My name is XXXX XXXX and live at XXXX XXXX  XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX  XXXX. 
Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. 
I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. 
I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. 
First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. 
I was told that PNC put a on hold on my account and now unable to get any money from my account. 
I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. 
This has never happened to me. Once I get this taken of I will be changing banks What am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
in XXXX I presented my cd for payment to bak of America --  they refuse to pay saying they do not have any internal back up record. I have the original document as issued by XXXX XXXX XXXX XXXX XXXX ga and who in XXXX were merged into BAC bk of America re fdic XXXX. the cd is checked auto renewable and is active now. no bak has ever communicated in any way re cd nor were any funds turned over to Ga unclaimed funds

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 2022-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this account for years now with Portfolio Recovery. Each and every time that I ask for validation they show me a bill/statement. I reported them to the XXXX XXXX XXXX few days later this account was removed from my XXXX file. No one contacted me or anything all I know it was remove from XXXX. Then recently, I received a notification that there was a new collection added and when I looked it was portfolio recovery. This company has been in violation for years anytime I asked for validation by law they are supposed to remove it from my credit file while investigations are going on. They have never done that. When they respond they respond with a bill. Then they claim that I had a original contract with XXXX  XXXX. I am demanding to see the contract between me and the ORIGINAL CREDITOR OR PORTFOLIO RECOVERY BEARING MY SIGNATURE. A statement, a bill is not an original contract.. please show me my signature that you claim I signed obligating me to this debt. I am entitled as a federal protected consumer. I also have the right to privacy under law. I also never gave you written instructions to report on my credit report. In addition, please show me where I gave Portfolio Recovery WRITTEN INSTRUCTIONS. IF YOU CANT PROVIDE ANYTHING I ASK FOR YOU HAVE TO REMOVE THIS FROM MY CREDIT FILE AND CEASE COLLECTION AND LETTER STATING THAT I DONT OWE THIS COMPANY ANYTHING. I have been responding since your initial communication but you have not given me what I asked for. A bill does not prove my ownership/obligation to a debt. Also, PRA deleted this tradeline and then put it back. NEW YORK STATE HAS UPDATED LAW WITH DEBT COLLECTION PRACTICES. PROVIDE CONTRACT WITH MY ORIGINAL SIGNATURE. PLEASE PROVIDE THROUGH THE CFPB PORTAL PROOF OF THAT CONTRACT AND APPLICATION IF YOU CANT PROVIDE DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: FULTON FINANCIAL CORPORATION
State: NJ
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:
received XXXX dollar bonus offer bank confirms i am entitled to offer but their rewards center cant find my transactions bank has been no help and gives different reasons each time i call

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 2020-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XXXX  XX/XX/2020 I looked up interest rates at wells fargo who holds my mortgage and saw the rates for a refi 15 year 2.50 % - 2.645 apr my current rate 3.75 % so I felt it was worth it. I get quoted a totally different rate over 4 % in my application so confused i reached out and I was told i recieved this rate because my credit score was below 700 which was not true and I stated such All my scores were well above 700 So I then to complain in writing and after sending in a complaint and have gotten no response

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 2020-04-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
During the Equifax data breach of XXXX, that became public knowledge in XXXX. I submitted a claim to have either a claim check for {$120.00} sent to me, or a year of free credit monitoring. Naturally, i opted for the {$120.00} check, however i never recieved that check, nor did they monitor my credit. 
Attached below is my claim documents, including date submitted. 
Im asking for 3 things : 1. A check for {$120.00} sent to my current address Recently, i have been trying to purchase a vehicle, however i cant get financing because inaccurate information-which if Equifax was doing their job could have prevented-on credit report, every lending agency has turned me down. Therefore ... 

2. I want these items removed from report immediately : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ( I, along with my mother who was the co-signer, called XXXX XXXX  several times to try to set up payment arraignments. Each and every customer service representative was extremely rude and unprofessional and stated that no payment arraignments would be made and they wanted the remaining balance of loan to be paid IN FULL or they were going to reposses the vehicle. As a last ditch effort and a show of good faith, my mother and i sent checks to pay on loan. The checks were immediately sent back. Both my mother and i made every attempt to bring that car loan back in good standing, and was rejected everytime. ) 3. In lieu of {$120.00} check, i will accept as a satisfactory resolution, the deletion of those 2 items from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI, at our request, closed the escrow component of our mortgage payment and we agreed to pay our taxes and insurance separately, sending to BSI a monthly payment of {$2100.00} ( principal and interest only ). BSI confirmed this in writing twice, on XXXX XX/XX/2022 and XXXX XX/XX/2022. Notwithstanding this, BSI paid property taxes of {$3300.00} to XXXX XXXX XXXX on our behalf, and without our knowledge, on XXXX XX/XX/2022. XXXX then demanded an increase to our monthly payment of {$270.00} effective XXXX XX/XX/2022 ( see notice dated XXXX XX/XX/2022 from XXXX to us. ) However, the XXXX XXXX XXXX XXXX refunded {$3300.00} to BSI on XXXX XX/XX/2022, meaning there was, and is, no reason for the {$270.00} increase to our mortgage payment. Put differently, BSI is now double dipping, having received a refund from XXXX XXXX for the property taxes it paid, while continuing to get {$270.00} from us each month. BSI was made whole on XXXX XX/XX/2022 and is now seeking to enrich itself by way of an increased monthly payment from us, the accumulated amount of which must be refunded to us by BSI immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check which I failed to read payee info, and presumed was made out to myself and the additional person on my insurance policy for a claim. On XX/XX/XXXX I attempted to use my debit card multiple times, called Citibank to ask what my balance was they stated it was positive tried to utilize card again. Finally called for the second time during a short period of time and was told my account had a fraud alert hold on it. I was never notified, not via text, email, phone call, nothing! I went down to the branch as advised by customer service or whoever was in the fraud department. Branch said they couldnt do anything they had to call fraud, which he did I provided more documentation than they needed and supporting documents as well only to be told NOPE sorry. I called my insurance company to notify them of the situation and placed a stop payment on the check so that they could reissue a check made only in my name since Im the only registered owner of that vehicle. Received a phone call today XX/XX/XXXX from my insurance company that Citibank has already cashed the check and theyre unable to reissue payment. I called Citibank, they said I had to go down to the branch Im not PLAYING that game again. The fraud department has already called my insurance to verify that this is in fact a LEGITIMATE check and its mine yet theyre withholding funds. I had someone from fraud state they would hold my account indefinitely and not close it, to which I asked about legality and they said it was legal for them to do! I cant get my insurance to reissue payment because this check Citibank has in face already cashed, and they wont let my account out of fraud alert because XXXX only knows why! I already went down to the branch, youve already called my insurance company and theyve in fact stated this check was FOR ME! What is the problem?

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 2020-04-17
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I buy and sell items on XXXX and use PayPal as my virtual wallet for transactions. I have used this account for about 10 years and it has been in good standing the entire time and is still in good standing. Recently, I had some transactions on XXXX that were normal transactions and Paypal randomly decided to restrict my account without warning holding {$1200.00} in funds in my wallet hostage. Paypal will not give me any explanation as to why the funds have been stolen by Paypal and refuses to allow me to withdraw my funds. 

I have provided all information requested by Paypal but they refuse to respond to me through all available channels. I am attach a printout of all of the ridiculous documentation Paypal keeps asking for that has been provided. There are about 20 documents they have requested at this point, all of which they already had prior to their requests so they were second requests for documents they already had. 

Paypal has stolen my money and will not release it to me. Paypal knows that I am a long time customer and that this is normal activity. 

When I call PayPal they are using COVID-19 as an excuse not to provide customer service but they conveniently have enough people to staff stealing my money yet none to respond to me and fix the issue. It is sad that Paypal is using the death of Americans to make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have pulled all three credit reports and on my XXXX  and XXXX  report this company is listed as a collection for Medical Data Systems , Inc . I have disputed this item numerous times via different channels including but not limited to XXXX XXXX, XXXX and XXXX. The item just keeps saying it was verified. I have asked for proof numerous times to no avail. All I've gotten are remarks added to my credit report saying updated and verified. I want to see proof, a signature of mine, or something stating this particular account infact belongs to me. Otherwise it should be deleted from all bureaus that it's reporting to. With all the contact attempts made I have yet to have been shown proof that this account is mine.

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 2020-04-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX transactions were made through a ATM that I never did. I have called the XXXX department of Bank of America but they refused to refund my money that I thought it was secure with them. The bank response is that it was my card the one that was used when I never used those locations. Today they told me my case is closed and they are keeping the money that we worked so hard to get.

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 2021-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XXXX  account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.

Company response to consumer: Closed with explanation