BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: White Jacobs & Associates
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
On XX/XX/2018 I signed up and was required to pay a fee for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00}. This fee was paid prior to any services being rendered. The very next month and six months following, I was required to pay {$100.00}. The FTC Credit Repair Organizations ACT ( CROA ) states 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts White Jacobs and Associates practice, and is in direct violation, as I was required to pay a large sum of money ( {$890.00} ) before any services were ever initiated. This company violated the FTC Credit Repair Organizations ACT and I want reimbursement of the {$890.00} I was required to pay before any services were rendered.The monthly {$100.00} I was required to pay to have them actually audit and dispute my tradelines I feel they should keep as that was during the time services were provided. However, the {$890.00} was before any contracts were signed or work was performed - again, direct violation FTC Credit Repair Organizations ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: United Military Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received the mail a letter from Low VA Rates LLC offering me {$250.00} if they couldn't gt me a better rate than I have offered. They offered me a 1.8 % rate on a 30 year fixed rate. I have a 1.75 % offer. They refused to honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX sued me in XXXX on debt that had defaulted in XXXX, which is past the statute of limitation in the state of Georgia XXXX XXXX XXXX sued me on three time barred loans. I have notified the debt collection law firm that these debts are time barred and have engaged them in intensive discussions regarding the time barred nature of the debt. 

The submitted a payment ledger that shows interest accruement, however, it doesn't show any payments made by the alleged debtor. No payments were made on this loan, therefore, the default in payment would have been XX/XX/XXXX, and the lawsuit was filed on XX/XX/XXXX, which is outside the statute of limitations in the State of Georgia and, therefore, the claim is time-barred. In addition the claim being time-barred, the service was improper. Now, there is a XXXX on the property of the alleged debtor. The default judgement on the time-barred claim is causing the alleged debtor financial hardship, as it is preventing him from obtaining credit as needed, and causing him to pay higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1. ) What is this complaint about? Illegal and Unlawful foreclosure 2. ) What type of problem are you having? I am having problems having authorities look into the procedures that were used to dispossess me from my property. It is my belief that the participants are debt collectors who do not possess the standing nor are real parties in interest and have conducted fraud against me and the court. 
3. ) What happened? My real property interest was wrested from my in what I believe was an illegal and unlawful manner resulting in me being dispossessed from my home. 
4. ) What company is this complaint about? XXXX XXXX XXXX 5. ) Who are the people involved? XXXX, XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX 


On or about XXXX XXXX, 2012 a foreclosure action was executed against my property in what I know to be an unlawful foreclosure by a third party debt collector. The foreclosure was initiated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through their agent ; a Law Firm by the name of XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT a Creditor/Lender or A Mortgagor of mine, nor have I applied for or either received any services or credit with the aforementioned.XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors who do not possess the requisite standing or real interest to sue for possession of my real property in a court of law. The collection of this debt was attempted in violation of the FDCPA 15 USC 1692 ( g ) and all corresponding consumer protection laws. 

The aforesaid entities have only provided copies of documents that are available through the public records that are easily accessible to anyone. I assert that those documents are forgeries and I am demanding that the debt be verified under penalty of perjury pursuant to the Fair Debt Collections Practices Act. 

The above named entities have not, nor have ever cooperated in the verification of the debt, nor have have not presented unimpeachable evidence that they are truly a creditor with standing to sue in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. 
XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro se. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a Auto loan with XXXX. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that XXXX charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with XXXX on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/19, paid off our HELOC and I have requested multiple times via phone calls to get my final statements as the online statements are no longer available. I have stated that this should be considered a customer complaint, as I have called more than 3 times to follow up on this matter. The individuals place me on hold and never return and I then get disconnected. No follow up only false commitments and no acknowledgment that anyone has logged a customer complaint related to this lack of service. The financial institution is US Bank. I followed up on matters again today ( XXXX ) and was told the information was mailed XXXX days ago. I will give it a couple days and see if the statements arrive so that I can prepare a reconciliation and show there was an overpayment. Very poor customer service!!!! Poorly trained personnel and no understanding of a complaint process.

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 2022-09-27
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company via Certified mail on XXXX to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XXXX and letter dated XXXX '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across three bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.

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 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My balance in my gold rewards checking account has reached the next tier of platinum, wish to be upgraded. Per terms and conditions of my account.

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 2020-04-17
Company: The CBE Group, Inc.
State: NE
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 was receiving multiple calls from a number I did not recognize, which turned out to be CBE groups, a collections agency trying to contact me. Knowing I had nothing in collections and nothing reporting to the CRA I answered one of their calls on XX/XX/XXXX only to receive a dead air call. I called them back and was immediately read my mini-miranda. After giving the rep my phone, name, and social security number and current address, which I have resided at since moving back from XXXX in XXXX, the rep kept stating I owed a debt but would not give me info as to who the original debtor was because I didn't have the correct address, so I did a cease and desist to stop all calls. They later started to contact my family, so I contacted them again on XX/XX/XXXX to do a cease and desist on all calls that have to do with their account due to lack of information. However, after extensive research and due to not receiving a validation of debt letter within 5 days of speaking with me I did not feel comfortable with how the reps were responding to the situation. I called once again on XX/XX/XXXX to ask for their address so I can not only send a written cease and desist letter but a validation of debt letter as well. However the rep disconnected the call. I called back immediately and the second rep started to argue with me that I did not need to know their address, after 6 minutes of arguing the rep gave me the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX which is a different address to the one on their website which is XXXX XXXX XXXX XXXX, IA XXXX. On XX/XX/XXXX I sent out a cease and desist letter as well as a request of validation of debt letter via certified mail with tracking number to both addresses. The XXXX address signed for it on XX/XX/XXXX and the XXXX XXXX address signed for it on XX/XX/XXXX. It has now reached the 30 day period normally given to receive a response for the information requested as well as a letter stating they have received my cease and desist letters. I would just like the collections agency to return both verification that they have put my phone and family members phones on a cease and desist and I would like a validation of debt letter sent to me, so I don't have to worry about them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX , XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX  was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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 2020-04-17
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later Equifax does the same. This is unfair as this info is not new info. I have attempted several times to call XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX, I applied to the Paycheck Protection Program Loan with Bank of America on the very first day it was available. I met all their criteria : current business client prior to XX/XX/XXXX ( Ive been a business client since XX/XX/XXXX ), have a current lending relationship ( I have two lending accountsa credit card and a business auto loan ), and am XXXX XXXX XXXXr with less than 500 employees. 

I uploaded all required documents to their XXXX web portal, submitted all questionnaires, and waited for nothing as the PPP funds dried up. I was very timely in my application and submitted everything that was asked. I have yet to hear a response either in email, phone call, text, mail. Nothing. Yet Bank of America was able to process wealthier bigger clients who applied later than me. And now the PPP funds are depleted and I still have yet to hear anything from BoA.

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 2022-12-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX My friend sent me a Money Transfer using moneygram with her debit card sending to me thru my debit card. Usually this transaction takes around 15 to 20 minutes to show in my bank account. Money was taken from my friend 's account but i never arrived to my account. We wait until next day, and they money never appeared in my account, so we proceeded to file a claim with MoneyGram. 
After claim was filled, until today XX/XX/XXXX we have no answer from Moneygram, they said it can takes until 90 days and there is no reason for that. My friend wants to cancel the transaction to get a refund and Moneygram dont want to do the refund. My friends tried with the bank, and bank asked her to request to Monegraym the policy where shows it can takes 90 days, but Moneygram refused to send that policy, like that she can submit it to the bank, and bank can cancel the transaction.

I was expecting that money to pay my rent, i can lost my aparment beacuse i did not paid my rent beacuse moneygram has my transaction in the air, and we dont know when it will be resolved. Is not fair to play with somebody's life like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, Affirm Inc was contacted regarding the proof of identity theft and unauthorized usage of personal information. XX/XX/2022, was sent via certified mail an FTC Report, along with documented proof via email communications betwixt me XXXX XXXX, and the Response teams of XXXX XXXX XXXX and XXXX Tuning ( See the attached email communications ). Affirm Inc responded via email after receiving said proof on XX/XX/2022, that I, XXXX XXXX is still responsible for the debt. So in following the steps pursuant to my FTC Report after multiple failed attempts to resolve this issue, I now, unfortunately, must file this complaint. 

XXXXXXXX XXXXXXXX XXXX XXXX ) Loan ID : XXXX, XXXX Response from Merchant : Only Affirm Inc or a police officer can request the receipt information regarding the order ( XXXX ) due to business policy Regarding Loan ID : XXXX, there are no records of existence, according to the merchant XXXX XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response XXXX Merchant : The billing and shipping information was provided, See attached information XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response from Merchant : The name purchaser name and address was provided, See attached information

Company response to consumer: Closed with explanation