BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-20
Company: Credit Solutions, LLC (KY)
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed these accounts before, the answere I received I feel do not dealt with the problem. These bill have been under dispute because the items that were charged were not correct. I have fought with the hospital about the amounts and the charges. I am on Medicare and each time I have paid my copay this company has continued to try to charge outside what they should have been charging. I received treatment from them for 14 months. The last 3 months of treatment they began to charge for things that were not done, I have continually spoke with them concerning this each time the insist the doctor needs to change the code but the doctor says it 's the same code he has always used. I have contacted my insurance but have received no relief.my point being that the charges are incorrect, these are charges that were and should have been paid by my insurance. The previous time you came back with the charges had been proven, but how can you say that when you do n't know what the charges should have been in the first place. If these charges were correct my bill would have been much more than these amounts as I received the same treatment for 14 months. Why did they change the last month 's of treatment. I do n't think this should be allowed to stand as it is a dispute over the amounts charged for things that were not done. By allowing this to be placed on my credit report you are placing me in a position of being forced to pay incorrect billing or let it remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data

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 2015-08-13
Company: ONLINE Information Services, Inc.
State: OK
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 called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-12
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CNP Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We agreed on a monthly payment plan of {$400.00} a month for my outstanding medical bills from a hospital visit. After three monthly payments that were all made as agreed and on time I was able to get payment from my health insurance company and paid off over {$4900.00} in one month. They then attempted to collect the remaining {$260.00} the next month and said that I was late paying. I said does n't the {$4900.00} payment mean I 'm months ahead of schedule and she was rude and said it does n't work like that. This is not the original agreement at all, I 've paid well over {$400.00} a month and am close to paying off the entire amount a year early! I do not like being threatened to go to court or have my wages docked after making a payment of almost {$5000.00}! These people should be struck off. To add insult to injury NONE of this was my fault but the fault of my health insurer messing up with the billing. They gladly admitted this and cut a cheque as soon as it was pointed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into my account on XXXX/XXXX/15, and the bank charged me {$140.00} in overdraft fees for activity that occured that day. The banks ledger has it stated that they processed the check prior to sending out any payments, yet they charged me {$140.00} in overdraft. I contacted the bank and they are refusing to refund my money and to stand behind their own ledger, stating that they did not process the check before they sent the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The situation is as follows : Portfolio Recovery Associates, LLC ( PRA LLC ) is  reporting to the credit reporting agencies that I have a debt of {$650.00}. 
The claim is that the seller of the account was XXXX XXXX. I have no record of this account and asked to see validation according to the FCRA. PRA LLC failed to follow the guidelines as to acceptable validation documentation.

PRA LLC provided me with a copy of a bill that I have never seen before.The bill was a incomplete bill as it did not contain lines of itemization in order to see what dates the purchases were made and as to how the amount has been calculated.

I have never entered any contractual agreements with PRA LLC and do not plan to in the future. Again, I do not have any records or recollection of this account.

PRA LLC has stated that it has ended its investigation and that they have established its validity. PRA LLC has not established validity that the stated account belongs to me. 


Regards, Mr . XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: FMA Alliance, Ltd.
State: TX
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 have spoken with XXXX Different FMA Alliance representatives, they confirm I am not the person they are looking for, promise to remove me from further telephone calls, but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: PNC Bank N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Kyle Law Group, P.C.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a student loan judgment debt with the XXXX, in which I must pay {$75.00} each month. I receive social security on the third Wednesday of each month therefore I ca n't have the Kyle law group which is the debt collector for the U XXXX take the payments automatically from my bank account each month, so my wife elected to have my payments deducted from her bank account instead, because her social security XXXX check is deposited on the XXXX of each month. However, that can change as well because if the XXXX falls on a weekend then the deposit will go in a day or XXXX early. This causes an overdraft on her account as well as mine. Also the Kyle law group is setting our accounts up with the pay .gov website where the payments are being collected. XXXX Kyle is not sharing any account information with me or my wife ie. username, password, security questions. If I want to make changes on the website I have to go through the Kyle law group, I ca n't make the changes myself. When I cancelled the payments from being collected from my bank account on XX/XX/XXXX2016 the Kyle law group took the payment from my account as well as my wife 's account on XX/XX/XXXX2016. Because I did not know the username, security questions, or password I could not make the changes, because Kyle law group set the account up, and did not let me know any information. Now the same thing is happening to my wife, and their office has set up a pay.gov account for her and will not share any of the account with her. She does not owe them I do. I do n't mind paying on my debt each month but I prefer to call the Kyle law group each month and let them run my debit card, therefore, not causing me or my wife overdraft charges. We both are on a fixed income in which the dates for depositing our checks are not set in stone. This is why I would rather call them each month and process a payment. I do n't know why the Kyle Law group does not want to share the account information with me or my wife. I would appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple fraudulent XXXX XXXX XXXXXXXX inquiries on my credit report I have never applied for a XXXX XXXX XXXX checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called XXXX XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a XXXX XXXX XXXXXXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I submitted a request online to transfer a XXXX wire transfer from my XXXX account to my PNC account. It appears as though PNC allowed the transfer to go through even though I did n't have sufficient funds in the account. Now I am out XXXX for my rent. The bank allowed the transaction because they want to charge me significant fees and place me in debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit checks from my phone over the internet. The bank has set a limit on the amount of money I can deposit with my phone. If I pay them {$12.00} per month more than I am currently paying them ( currently {$12.00} service fee ), I can deposit as much as I want over the internet. This makes no sense to me. I can deposit as much as I want if I walk into the bank and make the transaction. It costs them more for me to deposit funds in person ( building upkeep, heat, A/C, electricity, employees to be there whenever I decide to come in ) than to deposit over the internet. I do n't think it is right for me to have to pay the bank to give them money ( make deposits ) that they are already using interest free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Revenue Systems, Inc.
State: FL
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 did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have just obtained a credit report from Trusted ID ( Equifax ) and I found in my personal information section XXXX addresses from Colorado that I never associated with. Those XXXX addresses must have recently appeared as they were never in any report up to a few years ago when I checked my credit report. All other addresses are OK but I never been associated with any address in Colorado for sure.

Company response to consumer: Closed with explanation