BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: Machol & Johannes, LLC
State: WA
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:
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to hacking, account tampering and wrongful death and stolen paperwork and problems recieving mail due to victims report making me undiscoverable under XXXX XXXX and XXXX XXXX and the XXXX XXXX I have had troubles with recieving mail and funds in my name on several banking sites and missing XXXX Address changes and affidavits are being put in without consent. And the location I recieve mail from lies to me about recieving mail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of this issue and XXXX XXXX that were lost or handed out to the wrong people. I don't have any case management or care takers just in case this Is being said posing any issues. 
XXXX XXXX Capitol one These are all bank account that someone has set up with out my knowledge and could be stealing my funds My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is a person using his identity but my father does have consent due to a wrongful death experience

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to hacking, account tampering and wrongful death and stolen paperwork and problems recieving mail due to victims report making me undiscoverable under XXXX XXXX and XXXX XXXX anXXXX XXXX XXXX XXXX, I have had troubles with recieving mail and funds in my name on several banking sites and missing XXXX  Address changes and affidavits are being put in without consent. And the location I recieve mail from lies to me about recieving mailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because of this issue anXXXX XXXX XXXXXXXX that were lost or handed out to the wrong people. I don't have any case management or care takers just in case this Is being said posing any issues. 
XXXX XXXX XXXX XXXX These are all bank account that someone has set up with out my knowledge and could be stealing my funds My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is a person using his identity but my father does have consent due to a wrongful death experience

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Description : CBA Unable to Validate Alleged Debt Creditors Bureau Associates has failed to provide requested information from a recent dispute letter that was sent within the 30 dispute period as suggested. 

I received a letter by mail from Creditors Bureau Associates of Georgia ( CBA ) on XXXX XXXX 2016 dated XXXX XXXX 2016 stating that I had an outstanding balance of {$1100.00} from " XXXX XXXX. '' According to the received letter from CBA it states as follows : " Unless you notify this office within 30 days after receiving the notice that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with this name and address of the original creditor, if different from the current creditor. '' On XXXX XXXX 2016 I sent a dispute letter to CBA and a tracking delivery confirmation was received on XXXX XXXX 2016, asking to verify the validity of this account and original creditor. 
On XXXX XXXX I received a letter from CBA dated XXXX XXXX 2016 that states : " According to the FDCPA, your account is past the 30 day validation period. Please contact our office if further information is needed regarding this account. This account is seriously past due. Please remit payment immediately. '' XXXX XXXX : XXXX wrote the first letter on XXXX XXXX 2016 I received their letter on XXXX XXXX 2016 I responded back to their letter on XXXX XXXX 2016 They received my response on XXXX XXXX 2016 From XX/XX/XXXX-XX/XX/2016 is a total of 19 days ( including weekends ) 13 days ( excluding weekends ). My dispute letter was written within the correct/allotted timeframe and still no information was sent regarding verification. 
As stated above : " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Since CBA can not obtain such information for verification CBA is not authorized to : - Collect this alleged debt - Make contact about this alleged debt - Report it under the FCRA, - Report this debt to XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Other financial service
Sub-product: Money order
Issue: Unexpected/Other fees

Complaint:
I purchased a WU Money Order for {$75.00} to make a payment to my at a XXXX gas station ) located on XXXX XXXX XXXX XXXX XXXX, XXXX GA ) to make a payment to XXXX Apartments in GA. The money order was returned by their banking institution and a return fee of {$75.00}. Now I am out {$150.00} as I had to pay this to XXXX Apartments ( GA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items to be updated or corrected right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

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 non-monetary relief
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the first time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus 1 month ( not 2 months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX XXXX Credit Department but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BYL Collection Services
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I went over Western Union web site to place and order for money transfer from XXXX FL to XXXX, XXXX. The order was posted and payed with Credit Card. Few minutes later a received an email stating that my money transfer is on hold until I contact them by phone. I made the call and the CSR told me that I must send over a photo ID to be kept on file for future transactions and verify my identity, since there was another person with my same name who was banned from making transactions with this company and they wanted to verify I was not that person. Since I realized that I have to send this personal information overseas, actually CS for this company works from XXXX, I decided not to do so, I do n't feel comfortable sending personal sensitive information over no where. I request my transaction to be cancelled and have not charge my credit card or reverse the transaction and give back the money that has been charged to my credit card. The CSR told me that he ca n't do that until I send over the information requested ( photo ID overseas ) or write down a letter of explanation to be send over to them, basically with the same information I was trying to avoid to send. I tried to find a phone number in the USA where to call, since this XXXX overseas seems not to understand why I did n't want to send my ID to them or that I was afraid of Identity thief. I contacted them also by tweeter and the response was the same, to call back to XXXX in XXXX. I decided to go to a Western Union office, and the person that attend my request in person was very understandable and offer to help me with XXXX and called them. He was very surprised to hear back from them what I was already told him about what they asked me to do, since I can show my ID to him, and copy my information but never keep a hard copy of my ID. Actually, when I registered on line my account with Western Union, I gave all information requested. At the end, I made another transaction, in person with this kiosk, payed this time on cash and the person in XXXX was able to cash out the money. So, my question, why is my money keep hosted? Since I was able to make this other transaction in person, why they still refuse to reverse the original transaction? I went over my credit card CSR and dispute this transaction in not receiving the service requested basis. I felt discriminated and alienated. My name is very common, but I do n't think that is reason enough to hold back a service, condition me because of my name, being stereotyped by my ethnic origin or place of birth. How many XXXX XXXX has the same problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by insurance company. I obtained preauthorization for all treatments before they were performed. The companies refused to acknowledge this or my dispute of the debt. Put it into collections and onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX  XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 non-monetary relief
Consumer complaint received 2015-11-04
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against 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 2016-06-05
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.

Company response to consumer: Closed with explanation