BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The company Pressler and Pressler has been harassing me for a few years about a previous debt i owed over 5 years ago. they send mail to my house about collecting on the amount and recently they have been pressuring the issue of setting a judgment against me. included in the mail are docket numbers and index numbers they claim are filed with our local court. i have looked up these said numbers and nothing is to be found, i search my name in the court and civil clerks office and my name is to be seen no where in their files. i feel as if Pressler and Pressler are creating fraudulent documents in order to scare me and scam me for my money. none of the documents i receive acquire a judges signature for the actions taken against me i have never received a phone call from them, i have never been given a court date to defend myself against their so called actions, every few months they send the same documents in the mail stating their actions against me. i can not find anything against me in any court documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Capital One 360 has locked my account for no reason and I ca n't access my funds. I 've called them to close my account and send me my funds. They have yet to do so. Whoever 's reading this, DO NOT do business with this company. They have the worst customer service I 've ever experienced with an online bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Byrider Franchising, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have called reliacard several times in order to get a replacement sent to me and Ive uploaded my identity documents several times to no avail. I just received my 1099 with my benefits loaded on to the card amount and I still have no card!!!!! I dont know if someone stole it or what but Im about to report them for fraud bc I have to file my taxes and pay on money I NEVER RECIEVED!! Help please.

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 2015-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Used AnnualCreditreport.com got to the point where the XXXX companies give your score and not one actually gave me a score. I was able to attain my report information, but have no way of knowing how that translates into a score number. The first company failed, which i find convenient since they offered to give access to my score all year for XXXX, the second gave me my report but no score, the third was similar to the first. All of them have errors giving free scores but not when you purchase them? This is a shake down. I am looking into further legal action and researching how many other people have complained of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CCS Financial Services, Inc.
State: CA
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 am being harassed by the CCS Companies, the phone number they are using to harass me is XXXX or XXXX of their many affiliates " SPOOF '' numbers. They have been calling me for the last 25 days, they are trying to collect a debt I do not owe. I am not the person they are looking for and I am not the person who owes the debt. 

They call XXXX three times a day including Saturdays at all odd hours. Their actions are those of an omnipotent cartel with a national reach, trying to collect on a bad debts with a management philosophy that is ruthless, relentless and as determined as that XXXX ; with no regards to the innocent lives they destroy. I am tired of their unwarranted harassment and abuse. I am afraid to pick up the phone when they call because they can be very impolite and aggressive. I suspect they are trying to pressure me into paying a debt I do not owe. 

Below I have listed the dates and the number of calls per day from their XXXX number : XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Call XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls The above listed calls from XXXX does not include over XXXX " SPOOF '' numbers I suspect they have used to call 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 2015-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA Bank is taking my XXXX wife 's Social Security be'tnefits to cure a debt they claim she owes from an account she held individually. the benefits the are attaching are direct deposited to an account she ca n't touch, I, her husband am her Repersentative Payee, the title of the account is XXXX XXXX, Representative Payee for XXXX XXXX. so not only is USAA unwilling to listen when I tell them they can not attach social security benefits to cure the debt they say she owes, they are also taking from an account that was designed to protect the finances of a person unable to manage their own, which is my case. My wife can not handle her own money, I pay her obligations and allocate funds to her so she cant get herselfin trouble. USAA 's resolution executives refuse to listen when they are informed they can not take her benefits that are direct deposited to her representative payee account to cure a debt from her individual account, please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a total loss on my XXXX XXXXXXXX that I bought from the dealer. I had informed west lake of what was happening, my insurance did as well. The bank still decided to sell the car back to dealership and mark it as repo and unpaid bill instead of totalled and paid in full by the insurance company. This affects my credit score.They were made aware of the situation I've called Westlake, the dealership has called Westlake. They steadily say there is nothing they really can do. I want this reported as totalled, paid in full and have them remove the incorrect repo from report..

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 2021-02-05
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive a {$75.00} bonus for having direct deposit of {$500.00} or more. I completed the promotional requirements but the credit never posted. I have followed up via email and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a paypal account in 2003. Since the period, paypal has updated its terms of service frequently with extreme anti-seller provisions, without any acceptable disclosure, and without my permission/consent per the e-sign act. I recently became aware that in some cases, these clauses include provisions stipulating that I have to sue them in a court in XXXX, that I have to give sellers 180 days returns, waive my rights to representation with card issues, and that they have the right to charge me money and forward my information to 3rd parties even after I have closed my account with them. I believe the way they operate is not ethical. 

After learning of these changes, recently I closed my paypal account. However, even after closing it- they still attempted to represent me to a card issuer, force determinations, and charge me fees due to a dispute with a buyer for a prior transaction. 

Paypal has a reputation for being extremely one-sided to the buyer in the case of dispute resolution. In this case, even thou I was entitled to " sellers protection '' they violated their own written policies by finding in favor of the buyer even thou I had provided them with ample evidence that no refund was due to the buyer and that their determination was contradictory to their own stated policies- and they have since given me a negative account balance and threatened to send me to collections. 

I would appreciate the CFPB 's help in resolving this matter with paypal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I applied for credit through XXXX XXXX online. Received a denial letter. Called XXXX and was told they denied me because they could not access my credit due to a " Gobal freeze ''. I called Equifax , they claim there is no freeze on my credit report. I called XXXX and XXXX also. Both state no freeze, however, XXXX is not able to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: MCLEAN MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been notified by the City of XXXX Department of Finance that McClean Mortgage ( XXXX ) my mortgage servicer failed to pay the following expenses from my escrow account : Property taxes : {$4500.00} - due XX/XX/XXXX My account indicates that a city tax payment was removed from my escrow account on XX/XX/XXXX, however the funds were never received by the City of XXXX, and the website has no evidence of where the funds were actually disbursed to. When I attempted to contact the company on XX/XX/XXXX I was put on hold and sent through a phone tree before finally being brought to a voicemail box with no response. I've also submitted several contact forms via their website with no response. 

The city is now charging a penalty of {$450.00} and {$100.00} interest, for a total of {$5100.00} due by XX/XX/XXXX. We feel McClean Mortgage should be responsible for these fees and interest based on the non-payment of taxes despite removing the funds from our escrow account. And, we have no update on the location of the {$4500.00} that was removed from our escrow account that did not make it to the tax office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute with Equifax on XX/XX/XXXX via the website with an estimated completion date of XX/XX/XXXX. I continued to monitor the request through out the month but there was no resolution posted within the 30 days they have to investigate. I sent a letter ( attached ) with a screen shot showing there were no results after the 30 days and advising them that by law they have to remove what I disputed. They received my letter advising them of FCRA guidelines and they opened a reinvestigation which was not what was requested. They then posted the completion date of XX/XX/XXXX but did not make this available until 45 days after the request. They back dated the completion date because they saw that no results were posted. This was pending up until they received the letter which was well after the 30 days. This needs to be investigated because I know that those things should be removed due to their lack of response. 

The screen shot of the progress was taken the day I mailed the letter ( XX/XX/2017 ) and they uploaded that information on XX/XX/XXXX. Equifax went and back dated to make it look like they had completed my results by XX/XX/XXXX which is absolutely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Seterus, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN CONTACTED BY A GENTLEMAN, XXXX, XXXX XXXX ACCENT, PHONE XXXX. CLAIMING TO BE FROM MY MORTGAE COMPANY AND OFFERING ME MODIFICATION. I CONTACTED THE MORTGAGE OFFICE AND THEY HAVE NOT OFFERED THIS TO ME NOR DO I QUALIFY. THIS GUY HAS THE LAST XXXX OF MY SS AND MY ACCT NUMBERS, HE HAS ALSO CONTACTED MY CREDIT UNION FOR THIS SAME THING. I AM HOPING HE WILL REALLY FAX ME HIS PAPERWORK SO I CAN FORWARD ON TO SOMEONE TO TRY TO STOP THIS GUY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refi my home with a VA loan from Loan Depot. They are telling me that I am not the Title holder based on their search. I have checked with XXXX County and they confirmed that I am official Title holder. Loan Depot 's representative, XXXX XXXX told me they will not allow me to to contact the Title search company that is in error What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Diversified Consultants, 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:
XXXX had put in a soft disconnect which interrupts the service before a formal interruption is done. This was done throughout the time in 2014 when I had their service. The snow storm in XXXX 2014 causes equipment problems where I could not use my phone. After I got behind in my bill I paid it but they continued to bill me for full service even though the phone was n't working and the TV and internet were intermittent. I paid the amount that I would have owed but they continued to bill me for services not rendered. A representative from their Corp office called me & said it would be deleted and removed from my account because of the soft disconnect which she acknowledged. It was recalled in XXXX and from XXXX agency in XXXX and deleted. I pulled my credit report and found it resurfaced under another collection agcy after I got new service with them The acct # XXXX. I disputed it with all of the collection agencies and it was deleted which proves what I said. I was told since I don ' t have the letter that was sent to me, they wo n't do an adjustment, but the credit bureaus would n't delete it unless they had proof which the Corp rep said she would send.

Company response to consumer: Closed with explanation