BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: Credit Counsel, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-05-24
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection information sent to the creditor showing that the debt was paid in full, they refuse to notify XXXX of the XXXX agencies even though it was removed and shows paid in full through XXXX. Spoke to XXXX different people, all with the last name of XXXX ... XXXX, XXXX XXXX XXXX XXXX. They said I have to pay them even though I have no debt with XXXX XXXX and they have to be paid and refused to contact XXXX XXXX to verify that the debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: MSW Capital, LLC
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX is charging me the wrong amount. I have showed my deposit was XXXX and showed them my pet deposit was XXXX I sent them money order recipes XXXX. I also informed them I was not liable for bed bugs. It dose not show on my lease I am responsible. The lease dose not show a leasing agency signature. The XXXX apartments have been threw so may new owners that have been in so much dept. I have never been late on rent. That is why they are trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got this payday loan from Advance America to pay off the payday loan from XXXX. However, the more I paid off the first loan I had to pay my everyday bills then pay Advance America and got caught up in the cycle. Other daily unexpected events just has prevented me from repaying 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 2016-05-20
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

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 2015-05-04
Company: Harris & Harris, Ltd.
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 is not mine

Complaint:
our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Aargon Agency, 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 have had my my personal information stolen a few years back and accounts are in my name that I did authorize or was aware of of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Aargon Agency, Inc.
State: KS
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:
contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-24
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I made a purchase in XXXX 2015 at Kay Jewelers using my Kay 's credit card. They typically have promotions on large purchases so I asked about the promotions that were available to me for this large purchase. The manager advised that they had the regular 12 months with 0 % interest putting 20 % and they had the 24 month term at 2.09 %. I accepted the 24 month term since 2.09 % is a low rate. The manager agreed that the 24 month was better at a " low rate of 2.09 % '' and even better, I did n't have to make my first payment until XX/XX/XXXX. I asked if I had to give a down payment as I usually do and he said it was n't necessary. When XX/XX/XXXX came around, I logged into my account to check how much the payment was so that I can send the payment. The website said the minimum payment was {$290.00} so I proceeded to send the payment. I have made 4 payments since then but this last time, I was curious as to why my balance was {$5000.00} if my initial purchase was {$5800.00} and I had made {$1200.00} in payments. I logged in online and looked at my last time and to my surprise I was being charged over {$100.00} in interest each month. I quickly called customer service for clarification. The representative verified that I was on the standard 24 month term " at a low 24.99 % ''. I told her that I was told 2.09 % and she quickly responded that it IS 2.09 % a month. I told her that I felt deceived when I was told 2.09 % because interest rates on credit cards are supposed to be disclosed as APR. She said there was nothing they could do. She advised that they could make an exception and if I was willing to put the 20 % down they would give me 0 % and what was left if I were to have done the 12 month term to begin with and that my monthly payment would go up to over {$500.00}. I feel as though they deceived me into thinking that the 2.09 % was the annual rate so I would be comfortable with the payments on a larger purchase than what I initially wanted to make. Had they disclosed the rate properly as 24.99 % APR I would have been able to make a more appropriate decision or made a smaller purchase that would appropriately fit my budget. Now, since I can no longer return the item, I either have to pay over {$2000.00} of interest over the 24 month term or switch to the 12 months and not only have to pay the 20 % which is {$1000.00} and have my monthly payments go over {$500.00}. I feel that their practices are unfair and deceptive to consumers and that they should correct this immediately. I do n't know who in the right mind would say that 24.99 % is a low rate. I believe that they should honor the 2.09 % as the APR since they deceitfully lead me to believe that they were quoting the APR as ALL lenders disclose credit card rates using APR.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We were left homeless for almost 2 weeks due to the incompetence of XXXX XXXX XXXX ( broker ) and HomeBridge Mortgage. We sold our home and were supposed to close simultaneously on our new home on XX/XX/XXXX, we were given final loan approval and closing disclosures on XX/XX/XXXX only to be told on XX/XX/XXXX that due to a change in credit scores we would have to pay 3.03 % in discount points and wait an additional 3 days for new disclosures. On XX/XX/XXXX we signed the new closing disclosure and were told then on XX/XX/XXXX we were told that the loan was failing QM points and fess and that a fee buyout would be added and the loan would have to be re-disclosed yet again. We received a XXXX closing disclosure on XX/XX/XXXX with another .25 % in points to cover underwriting fees and were told the loan would close and fund on XX/XX/XXXX. On XX/XX/XXXX we were told that the loan was still failing QM and that HomeBridge stated it was a " system error '' and that they were working on it when in fact we were later told that the loan was failing points and fees so we were sent a XXXX disclosure with now an increase of ..375 % in our interest rate and 2.25 % in points, with our backs against the wall, XXXX kids, a dog and no place to live we had no choice but to accept the disclosure with the higher interest rate. On XX/XX/XXXX we HomeBridge reported to our broker that the file was still non-QM compliant, exceeding fees by {$350.00} and that they were again " working on it ''. The loan finally closed on XXXX/XXXX/16, 12 days after it was originally scheduled to and at a .375 % higher rate and 2.25 % more in points. The incompetence on the part of HomeBridge and the lack of timely accurate information being relayed to us and our realtor by XXXX XXXX lending cost us thousands of dollars in hotels, meals out, pet boarding, storage and paying movers to move our belongings twice, not to mention the thousands of dollars we will pay for the higher mortgage rate, with an almost 2 week delay in closing we could have found another mortgage provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Other

Complaint:
I reviewed my Credit Report on XX/XX/2016 which showed an XXXX point drop due to supposed delinquent bill with Macy 's. I phoned Macy 's customer service on XX/XX/2016. I was told I have a Macy 's account I was not aware of which which is linked to a Macy 's Credit Card I do possess. The Representative who assisted me explained that I had been charged late fees of {$23.00} per month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 for a bill paid in full XX/XX/2016. Macy 's Rep. was able to remove the fees and adjust my balance to {$0.00}. ( Which is not yet reflected on my online account. ) I have never received an online or paper bill from Macy 's ( on either existing account ) and when I requested a credit adjustment to my Macy 's account to reflect the account was NOT delinquent and properly reported to Credit Reports, I was transferred 3 times and told Macy 's was unable to make any adjustments and it would be necessary to make credit adjustment or correction requests directly to credit reporting companies. This is unacceptable and I would like delinquency payment removed and negative scoring removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving frequent phone calls from a number that is registered to a debt collection agency. When I answer, there is no one on the other end - there is just silence and the call ends. When I do n't answer, no voicemail is left. I do not owe any debts - my credit history is spotless. I do n't know how to get these phone calls to stop - I 'm getting them on the weekends as well. I tried calling back and received an automated message to " please wait while we connect you. '' I hung up after 5 minutes on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX Renewal Month-XX/XX/2015- {$110.00}. Called XXXX XXXX-Ext. XXXX on XX/XX/2015. Canceled XXXX account, then canceled American Express card ( XXXXSupervisor ). Paid my last AE statement-closing date XX/XX/2015 in for {$85.00}. Told nothing more to do. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX on XXXX. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX. Received AE statement-XXXX-balance of {$130.00} ( fees ) -disputed with Supervisor XXXX ( ID XXXX XXXX ) -Reference Number XXXX. Received AE statement-closing date XX/XX/XXXX {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: GVA Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Northern plains funding is the payday loan company. I borrowed a loan from them for {$200.00}. The yearly rate is 779.54 %. The financed charge is {$1200.00}. By time I pay this loan off it will be {$1400.00}. I only borrowed {$200.00}. This is truly criminal and abusive and taking advantage of the consumer. Again I only borrowed {$200.00}. This need to be looked into. So far I paid back as of today {$160.00}. This company is a loan shark that need to be investigated.

Company response to consumer: Closed with explanation