BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-03
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.

Company response to consumer: Closed
Consumer complaint received 2015-06-03
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. 

I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. 

Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SCOTTRADE BANK
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying to get my IRA with Scottrade transferred to my local credit union for almost a month now. Scottrade continues to call & email, tells me that I and the CU are requesting distribution via incorrect forms ( which they 've emailed to me, ) that we ca n't have it sent to the account we are requesting, that we 've checked an incorrect box, etc., and it appears Scottrade is giving us erroneous info from what we can research online and the info from our CU ( a nonprofit. ) I submitted the 4th request ( at the very minimum ) for distribution today, just had a voicemail from Scottrade that they had more questions before it could be processed. I went online to Scottrade 's site and printed and completed the forms required for distribution last night - including a form that NONE of the many people with whom we have had interactions had bothered to send or tell me about. I am XXXX years old - past the age of concern about age for distribution, have an IRA at the CU that I should be able to easily transfer the Scottrade IRA to, have earned ALMOST NOTHING from Scottrade in years ( even tho they made big promises at the outset about how it would grow even tho a small amount, ) and I am VERY tired of this - want the check send to the CU XXXX my IRA. This is more than ridiculous and a nuisance. I have spent HOURS trying to get this IRA transferred to my local CU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NJ
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:
This Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  Equifax data breach and my identity has been stolen and used back in XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
{$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX OR XXXX ' XXXX, XXXX ( SON ), OPENED A RABOBANK N.A., XXXX XXXX, CA., ACCOUNT # XXXX, ON XXXX XXXX XXXX FOR HIS FATHER XXXX XXXX XXXX ' XXXX ( VICTIM ), [ ACCT. SSN/TIN XXXX. ] ; XXXX, PARTNER IN A 'FAMILY CONSTRUCTION BUSINESS : XXXX XXXX XXXX & XXXX '. THE SON WAS AN 'AUTHORIZED SIGNER ' ON VICTIM 'S ACCOUNT. JUST PRIOR TO THE SON PASSING ON XXXX/XXXX/XXXX, VICTIM THOUGHT THE SON 'S WIFE [ XXXX XXXX XXXX. ] ( SUBJECT ), TRICKED VICTIM INTO BELIEVING SHE WAS ADDED TO HIS ACCOUNT AS A 'TEMPORARY AUTHORIZED SIGNER ' TO MAKE THE CURRENT AND SUBSEQUENT MONTHS PAYROLL & INVOICES [ UNTIL SHE LEARNED THE ACCOUNTING PROCESS AT ANOTHER BANK OWNED BY THE SON. ]. IN FACT [ SUBJECT ADMITTED TO FORGING VICTIM 'S NAME SEVERAL TIMES. ], SUBJECT OPENED A NEW RABOBANK XXXX ACCOUNT # XXXX, ON XXXX/XXXX/XXXX - BY IDENTITY THEFT : NAMING HERSELF AS 'OWNER ' OF THE NEW ACCOUNT AND VICTIM AS AN 'AUTHORIZED SIGNER ' ; USING, VICTIMS SSN/TIN XXXX, AS THE NEW ACCOUNT TIN. WHILE SUBJECT DID MAKE PAYROLL ; SHE, WITHDREW {$70000.00} ON XXXX/XXXX/XXXX FROM THE XXXX ACCOUNT ; AND, {$61000.00} FROM THE XXXX ACCOUNT [ KEEP IN MIND, VICTIM WAS XXXX YEARS-AGED AND AT THE HOSPITAL AWAITING HIS SON 'S DEMISE. ]. SUBJECT, THEN WITHDREW {$31000.00} ON XXXX/XXXX/XXXX AND CLOSED THE ACCOUNT. THE BANK NEVER NOTIFIED VICTIM THAT HIS ACCOUNT HAD BEEN TAKEN OVER BY SUBJECT ; AND, HAD VICTIM SIGN A SIGNATURE CARD ON XXXX/XXXX/XXXX ; LEADING VICTIM TO BELIEVE SUBJECT WAS 'TEMPORARILY ' PUT ON HIS ACCOUNT AS AN 'AUTHORIZED SIGNER ' TO MAKE PAYROLL. FURTHER, SUBPOENAED BANK RECORD AFFIDAVIT DOES NOT SHOW SUBJECT AS THE OWNER OF ACCOUNT XXXX ; AND, THE BANK WANTONLY FAILED TO NOTIFY ADULT PROTECTIVE SERVICES [ AS MANDATED. ] OF REASONABLY SUSPECTED ELDER FINANCIAL ABUSE. UPON SEEKING REIMBURSEMENT, THE BANK HAS ASSERTED THE STATUTE OF LIMITATIONS. WE WOULD LIKE TO KNOW IF THE BANK HAS INSURANCE UPON WHICH A CLAIM CAN BE MADE. THE ONLY OTHER WAY TO OBTAIN VICTIM 'S MONEY IS BY AN EQUITABLE SUIT BROUGHT BY THE GOVERNMENT TO PROTECT A RIGHT [ AND SINCE VICTIM REPRESENTS AN ELDER CLASS NOT PROTECTED BY THE STATE - A PUBLIC RIGHT. ] ; AN, ACTION AS A PRIVATE ATTORNEY GENERAL IS NEEDED AS THE STATUTE OF LIMITATIONS OR DOCTRINE OF LATCHES DO NOT APPLY UNDER SUCH SUITS. CAN YOU REPRESENT OR HELP XXXX XXXX, NOW AGED XXXX RECOVER HIS LIFE 'S SAVINGS. I PRAY YOU CAN HELP CR. 

XXXX XXXX, ADVOCATE FOR XXXX XXXX XXXX, XXXX XXXX DETECTIVE AGENCY CA STATE LIC. NO. XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Resurgent Capital Services L.P.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Arvest Mortgage once again illustrating how they bulldoze thru the legal system. I have been in foreclosure and have tried to do a loan modification 3 times because of circumstances beyond my meanings have failed. This one tops the cake I started modification with XXXX on XXXX of 2015 when Arvest Mortgage failed to pay the General Contractor for repairs to the house. The General Contractor put a LIEN on the property for failure of Payment for repairs, even doe they have their inspectors have given them 100 % of completion. Once again NOT allowing me to once again to try to keep my house. I have filed Chapter XXXX Bankruptcy to try to protect my self with no help at all from the Attorney General. I have made complaints of this to the XXXX Attorney General where Arvest Mortgage Bank does most of there business and XXXX XXXX XXXX Attorney General because I 'm a Florida resident. As a Citizen of the United States I have rights. I have done research and Arvest Mortgage has over XXXX complaints with CFPB. I hope that a Government Agency will take charge against this company doing wrongful actions against the People of the United States. XXXX XXXX XXXX has been found guilty for the same reasons as Arvest Mortgage on wrongfully foreclosing on homes. Arvest Mortgage is acting like they are above the Federal and Civil Laws. Arvest Mortgage company is like the XXXX and the XXXX just because they have the money and resources they denies and do as they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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 accounts for Fair Collections and Outsourcing, # XXXX, and # XXXX, are in error. I have attempted to get these alleged debts removed from my credit reports. XXXX have done so, but XXXX refuses. These alleged debts were purchased by a collection agency from XXXX XXXX Apartments. I have sent documents proving that I do not owe this debt. In a nutshell, I had planned to lease an apartment XXXX Apartments, only to receive military orders to report to duty in New York State. Despite federal law, the Soldiers and Sailors Relief Act, which required XXXX XXXX Apartments to rescind the lease once I provided notice, XXXX XXXX Apartments refused to do so, necessitating litigation. When the judge learned that I was under military orders, the judge appointed me a guardian ad litem, who succeeded in getting the malicious lawsuit filed by XXXX XXXX Apartments dismissed. In other words, the court held that I owed nothing. XXXX XXXX nonetheless went and sold a fraudulent alleged debt to a debt collection agency, Fair Collections and Outsourcing. I informed Fair Collections and Outsourcing of the dismissal of XXXX XXXX Apartments ' case and that the debt was invalid. Fair Collections and Outsourcing has chosen to report me to the credit bureaus as a form of extortion in an attempt to get me to pay an amount that the court held I do not owe under federal law. Despite numerous communications with Fair Collections and Outsourcing, this unscrupulous debt collector refuses to inform XXXX that the debt is invalid. Consequently, XXXX will not remove the amount from my credit report. Even worse, XXXX of the alleged " debts ' is in fact a security deposit that XXXX XXXX is obligated to return to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Aldridge PIte Haan, LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX XXXX 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 explanation
Consumer complaint received 2015-09-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent is reporting twice on my credit reports. Resurgent is also known as LVNV funding and is the same company.. I have a resurgent and lvln account on my profile for the exact same thing. They are double reporting on my credit report which is in violation of the FCRA, Furthermore they are reporting these as loans and this company did not take over the loan nor did I sign loan contract with them, they should be reporting as a " Debt Buyer '' as they are n't a lending company or financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It started in XX/XX/XXXX when we were having problems making our house payment with New American Funding. Both my husband and I had lost our jobs and were living off Unemployment and XXXX. I contacted New American Funding right away and explained our situation. They recommended a Special Forbearance Agreement, the terms of this agreement are attached. Our payment went from {$1400.00} to {$2100.00}. They told me that it would not affect our credit if we followed the agreement which we did. It has ruined our credit and reflects the original amount owed and does not reflect any payments made. What we really wanted was a loan modification but they said we did not qualify. In XX/XX/XXXX, I was let go of my teaching job therefore it was difficult to make our payments. I contacted New American Funding to explain our situation and they recommended applying for a loan modification. We submitted all the paperwork and it took XXXX months for them to deny us any loan modification. They have lied to us and do not seem to be helping us even though there are many loan modifications that we would qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.

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 2021-09-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation