BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: P&B Capital Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I would like to report this business for violating Fair Debt Collection Practices Act ( FDCPA )! They have continuously contacted me from various different numbers. I have not answered due to being very busy with XXXX XXXXl and being a mom. Which I told the harassing agent! They call several times a day sometimes back to back. Today I was informed from my mother in law that they called her looking for me. That is a clear violation of FDCPA! I call them back after this and was not rude at all. The agent who I originally dealt with was VERY rude and also violated FDCPA multiple times! He stated that I owed xyz $ and asked for full payment. I said I could not afford that and asked what type of payment plan I could arrange. He said that the company was requesting full payment and he could do a lower $ amount. I said okay what are the payment for that? And he said like 2 or 3 work {$320.00} something down. I said I cant do that and if you cant take a payment plan I would have to let it go to small claims. He then said I would never get my XXXX XXXX if I did that ( which is a complete lie and fear tactic to get a debt paid ) and I said for one if I had the money I would pay in full and two that is not true about the XXXX XXXX and I took that as a scare tactic. He then asked me so what did I do defraud the original company to get the loan?! I said no I lost my job and was unable to pay! He also belittled me and said I was very niiave and was down right disgusting! He then transferred me to a XXXX who kindly set up a payment arrangement for the debt and listened to my complaint of how I was treated. However, I felt pressured to enter that agreement that I can not afford. I will be reporting this business here and with the CFPB and the FTC. I am requesting ALL contact from this company to me or my family, friends, employer etc.. to stop immediately!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a XXXX XXXX XXXX Saying, " I'm calling in regards of a complaint scheduled to be filed out of XXXX XXXX ( MN ... never lived there ). If you have any questions or concern will be available to receive signed documents to your residence on XXXX XXXX XXXX ( again this is a client of mine XXXX XXXX XXXX XXXX located in MN ) you need to contact office immediately at tel # XXXX with case number XXXX. Speak with you today or they may move forward and make decision without your participation or consent you have been notified '' I spent over XXXX hours on the phone first with XXXX that called getting no real info & them telling me they only had limited info. told me it was a debt from XXXX with Citibank for {$1400.00}. I explained I never did biz with Citibank and they were ignorant saying if I wanted info I had to get served and go to court for info. The said they were with attorney XXXX XXXX XXXX in XXXX XXXX. I called there they were unaware of anything. I called Citibank ( XXXX the long tome on phone ) and they had no record of me. 

I'm concerned because the original collector has my SS # and my address and I am afraid of some type of fraud.

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 2024-01-23
Company: FC HoldCo LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I had contacted Flagship Credit to inquire why my payments have not been reported to the 3 credit agencies since the start of the loan XX/XX/XXXX and was told that it would be looked into. I followed up on XX/XX/XXXX to receive an update and was told the same. As of date, the following payments has not been reported to the credit reporting agencies : XX/XX/XXXX {$520.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$500.00}

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 2024-01-24
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights.

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

15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.

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 2024-01-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a balance of {$39.00} when I tried to make payments it had gone up to {$140.00} company refuse to take off late fees spoke with 2 managers instead they closed my account with a outstanding balance and late fees.

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 2024-01-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom Mortgage reacquired my loan in XXXX of XXXX ( they had sold it and repurchased a few years later ). I had the same insurance policy since I purchased the home in XXXX of XXXX. When Freedom bought my mortgage they failed to pay the insurance and no one, XXXX or Freedom Mortgage, informed me. Freedom claims they sent me letters but nothing was ever received by me as I informed them multiple times. This is also a a recurring complaint against Freedom Mortgage of failure to pay insurance or notifying home owners. As soon as I was finally made aware ( by the increase in nearly {$6000.00} a year in escrow expense on my monthly bill ) I called them got the information and got new insurance within the week. Despite this, I'm still being charged roughly {$2500.00} more a year in escrow for insurance that was cheaper than my original insurance that they failed to pay. I've requested it be remedied on numerous occasions and even turned autopay off recently while they were supposed to investigate and get back with me. Despite them still blaming me for their failure to pay my insurance, which no other mortgage company has had an issue with ( my mortgage has been sold about 8 times since XXXX ), they've failed to respond timely, respond at all, or correct the issue. On top of that, after speaking with someone today from Freedom regarding the hit they put on my credit for late payment, they informed me that they themselves had received cancellation notice from XXXX regarding my insurance ( she said this twice even after backtracking it after the first time ), but at the same time claim to have no record of the insurance due.

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 2024-01-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From the XXXX XXXX of XXXX I have received over 15 calls total in one week to 2 different # s. The company, FCO, has a debt that belongs to XXXX XXXX and has had prior conversations with me regarding this debt. I was removed 6 months into a 24 month lease and have paperwork that should have been provided to them by XXXX XXXX XXXX XXXX XXXX  ) saying as such. I have attempted to call the original creditor and get sent to voicemail repeatedly. No one has responded to me in regards to why they will not look at the paperwork and FCO is dialing MORE than the 7 dials per consumer in 7 days rule.

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 2024-01-27
Company: Army and Air Force Exchange Service
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on my credit report is inaccurate and needs to be updated and it is the military star card 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 2024-02-06
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After having disputed two cable accounts on my consumer credit report, I contacted the original creditor ( XXXX XXXX XXXX  ). They informed me, the business account was sent to a collection company. I questioned how the collection company obtained my personal identifiable information, when it was a business account and an XXXX was required in order to begin service? A representative from XXXX XXXX XXXX  XXXX told me they have no control over how the collection company decides to pursue the amount owed. I have made several attempts to get these accounts removed from my personal credit report to no avail. I have contacted Eastern Account Systems on several occasions, I was only able to speak with one representative who informed me she would reach out to the company to obtain additional information. I have made several calls, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and again today XXXX  The automated system will say its transferring me to an agent and then the call disconnects. These two accounts on my consumer credit report have created financial issues for me in terms of credit, interest rates, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/XXXX, we closed the CD account with Citibank over the phone through customer service. The check is in the amount of {$52000.00}. We have not received the check yet. We have called numerous time and even visited the branch, but we have not received any information or check yet.

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 2024-01-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received letter from Wells Fargo XX/XX/XXXX indicating they wanted to clarify a product that I might have or have not requested. ( I will include letter ). I didnt authorize XXXX XXXX and I never knew anything about it. I HAVE COMPLAINED OVER THE YEARS SINCE XXXX how Wells Fargo has violated my privacy and rights. Now all they do is send letters about 10 days as if they dont have to answer to anyone. Let me be specific, I am convinced this is racially motivated by the outcome of my complaints to continuously be ignored from the UNAUTHORIZED XXXX XXXX PRODUCT, AND A RACIALLY STIMULATED FINANCE RISK BASED PRODUCT TO CAUSE FINANCIAL HARM AND NO ABILITY TO AFFORD. I ask in this complaint, if anything here is not understood by the way Im writing about the issues, please allow me an accommodation to get further help as to why Im being ignored and totally disregarded as if my money doesnt count. As in take complete advantage of me because Im XXXX XXXX This has to stop and I will seek justice. Im open for legal guidance because Wells Fargo has been nothing but disrespectful to me and has totally violated my privacy. Wells Fargo also has TWO FRAUDULENT ACCOUNTS IN MY NAME WITH MY DAUGHTER WHO WAS A MINOR AT THE TIME SOCIAL SECURITY NUMBER. IM STILL WAITING FOR THE CHECK FOR REIMBURSEMENT OF XXXX PRODUCT. This was initiated XX/XX/XXXX. I HAVE GONE INSIDE A WELLS FARGO BRANCH TO FIND OUT MY IDENTITY WAS BEING USED HAVING MY MINOR CHILD SOCIAL SECURITY NUMBER ATTACHED. ALL I EVER GET IS NEED MORE TIME LETTERS SINCE XXXX with no resolution EVER! I have received a couple of small checks between XXXX & XXXX. But this is unacceptable and definitely offers the opportunity to make it right but Wells Fargo still HAS RACISM IN ITS CORE!! I have a letter to hear from WELLS FARGO BY XX/XX/XXXX. I FEEL THE ONLY WAY TO STOP THE UNLAWFUL BEHAVIOR AND LACK OF CARE IS TO GO TO COURT. I HAVE LEFT MESSAGES XXXX XXXX NO RESPONSE FROM ANYONE!

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 2024-01-22
Company: Shellpoint Partners, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
New Rez informed me by mail that I did not have proof of insurance. I did have a landlord policy in place by XXXX, but there was a mortgage transfer between Ditech and New Rez and XXXX of them dropped the ball and did not check for proof of insurance. I had XXXX ( allied ) insurance send over a declaration page so I did not get hit with a lender placed policy. 
After the work I put in to make sure that they got the proof of insurance, my mortgage was hit with a lender placed policy anyhow and the next year my mortgage was reassessed and my bill doubled what I had been paying. I talked to New Rez about paying what I could while the situation was under investigation as to not go as unpaid, they assured me it would be okay and that it would still place late fees but to just pay the normal amount until it was figured out, and during that time I found evidence that I had coverage the whole time while they had put a lender placed policy on my account. They were at fault and the situation was corrected, they refunded me money for their mistake and I concluded that all was well. Come to find out they gave me negative marks on my credit score for 2 months of no payment. I did pay into those 2 months but I told them i couldn't pay the new amounts that they had reassessed, I would be paying the original amount until they figured out what was going on. 
After sending a dispute to them through their website, they concluded that it was within their right to give me negative marks on my credit. 
This has severely impacted my credit and my borrowing privileges. It has been nothing but a headache and honestly has made things really hard in regaurds to barrowing etc. I am hopeful something can be done. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dont owe money on this card

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 2024-01-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.

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 2024-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/year> @ XXXXXXXX XXXX I initiated a wire transfer from XXXX to XXXX XXXX XXXX, for {$4500.00} to their Wells Fargo account. The funds settled according to XXXX, yet neither XXXX nor Wells Fargo have been able to provide proof that the wire transfer was received. I have attempted to recall the wire transfer through XXXX multiple times, yet Wells Fargo have not responded to the attempts. I visited a Wells Fargo bank in person and spoke with a manager. However, because the Wells Fargo account belongs to XXXX XXXX, they were not able to look into this issue and suggested I escalate this issue with XXXX. XXXX XXXX does not appear to have a customer service line to connect to any live individual. I attempted to call the dealership where I got the car, however they were not able to provide any information either.

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 2024-01-28
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Contact Info : XXXX ; XXXX My Loan Number : XXXX XX/XX/XXXX I made two separate additional principle payments to XXXX XXXX XXXX, which brought the loan to value ratio of my mortgage to below 79 %. I requested the PMI to be removed, but later was denied with no reason provided to me. 

XX/XX/XXXX XXXX removed PMI from my monthly payment moving forward and sent a confirmation letter ( attached ) to me. From then on, PMI had not been part of the Escrow charges on my loan statements. 

XX/XX/XXXX XXXX XXXX XXXX was purchased by NewRez. The XXXX and XXXX statement I received from NewRez had no issues. 

XX/XX/XXXX I received the escrow analysis claiming that I owe the Escrow {$1200.00}, which was a result of the previous 6 months of PMI not being part of my monthly statement. Furthermore, NewRez added PMI back to my monthly payment. I contacted NewRez for 6-7 times after I received this analysis, explain to them that PMI was removed from my monthly statement by XXXX XXXX XXXX and the escrow analysis was incorrect and therefore my monthly payment for XXXX should not be raised. 

XX/XX/XXXX I faxed a written request to have PMI removed from my loan ( again ), this time to NewRez. Since then I have not received any communication from NewRez. 

XX/XX/XXXX I made another additional principle payment to my loan, which brought the loan to value ratio to 77.4 %. And submitted another three written requests to NewRez through their online contact form, requesting the PMI be taken off my loan and official documents explanation on the mixup of the " shortage '' on the PMI, which was likely caused by the error handling between XXXX XXXX XXXX and NewRez. I have not received communication from NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: Support Collectors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I did not consent to having my medical and personal information outed, this debt being sold to a collector is legally no longer my debt. 
In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC16814.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was out of the US from XXXX XXXX 2023. On XXXX XXXX 2023, during my absence, my loan was sold to Roundpoint Mortgage Servicing XXXX. At about the same time my home insurance was cancelled without my knowledge. During this time, I received no communication from Roundpoint. Upon my return in XXXX and discovery of the cancellation, I immediately notified Roundpoint and worked with them and my insurance agency to immediately reinstate the insurance. 

Roundpoint has since purchased lender-placed hazard insurance retroactively for the past period when the insurance was cancelled. This insurance is significantly higher than going rates in the market. I would happily purchase my own insurance at a more reasonable rate if it were possible to purchase insurance for a period in the past. 

I believe this action by Roundpoint violates federal laws related to forced-insurance. I was never notified in a timely manner that I would be subjected to forced-insurance and when I did receive the notice, it was several months after making it impossible for me to take corrective action.

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