BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022, XX/XX/2022 XX/XX/2022 On the dates reflected above XXXX Capital are contacting family members that they are not authorized to contact. I'm not sure how they found their numbers but I would like them to stop or I will need to take legal actions. It's invasive and embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was unable to open up a checking account with well Fargo because the previous accounts were close by the bank and I explain to well Fargo I never applied for checking and savings account in my name and someone used my information or well Fargo has open up accounts in my name without my permission back in 2010 and I want my data removed from there system and want to have a bank account open in my name.. 

I never applied for well Fargo checking account I need have those previous account investigated thanks

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 2022-06-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have ask over and over for XXXX thru disput thru letter to Investigated and Re-investigated Midland Credit I so as well keep ask Midland Credit thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both XXXX and Midland Credit both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My XXXX Credit Card ending in XXXX is not showing on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX XXXX, would like to request complete accounting history for Loan # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.

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 2022-06-10
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened up a checking account with XXXX bank on XXXX XXXX and a joint bank account on XXXX XXXX and money was withdrawn of out my account through XXXX from XXXX I don't have a XXXX account and never open one. When I found out that my money was missing it was around XXXX XXXX, I contacted the bank and reported it to the fraud department. As of XXXX XXXX, I received a letter from Randolph Books Federal Credit Union ( RBFCU ) showing that someone opened a checking and saving account in my name and called the RBFCU credit union and I reported this as fraud, the account was overdrawn by $ XXXX. That's how I found out about this account because it is being turned over to XXXX systems this is not my account. Once I discovered this was not my account, I immediately called RBFCU. I spoke with XXXX, and she told me that someone had opened a checking and saving account and applied for a loan. I filed with XXXX XXXX Police Department, and they advised me to file a complaint with you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
According to my monthly statements, if a make my payment on or before XX/XX/19 then a late charge would not be accessed to my account. I made my payment on XX/XX/19 at XXXX and I received a receipt stating my payment was accepted by XXXX XXXX XXXX. Because the company had close they posted the payment on XX/XX/19 and charge my account a late fee. When I call the company stating that the payment was made on XX/XX/19 and I have a receipt to show my payment was submitted on the date a late charge would not be assess. Gateway stated that because I made my payment after XXXX XXXX and since it posted to the account the next day that I would have to paid the late charge. When I explain that the online system or my monthly statement does not state that there is a time frame on XX/XX/19 that I have to make my payments in so that a late charge would not happen. When I stated that I was going to file a complaint with CFPB, the company made personally comments about me and what my employment was at one point in time. I felt this was very unprofessional because my personal life should have nothing to do with my account at gateway or what I feel should be assessed on my account. the company made a very personal attack that I am very unhappy about

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From  XX/XX/XXXX  to  XX/XX/XXXX  all of the transaction history of the lease billing and payments appears to be correct. The problem started on the  XX/XX/XXXX  billing statement ( with a due date of  XX/XX/XXXX  ). For an unknown reason, the  XX/XX/XXXX  billing statement displays a past due amount of {$1.00}. I called VW Credit on  XX/XX/XXXX  and spoke with  XXXX .  XXXX  was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent.   Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the  XX/XX/XXXX  statement ( with a due date of  XX/XX/XXXX  ). I contacted VW Credit again by phone and this time spoke to  XXXX .  XXXX  's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected.   The  XX/XX/XXXX  statement ( with a  XX/XX/XXXX  due date ) continues to display a past due amount.   I contacted VW Credit now a third time, this time I spoke with  XXXX  on  XX/XX/XXXX .  XXXX  did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me.  XXXX  has provided no follow up.   I contact VW Credit for a fourth time today,  XX/XX/XXXX  and spoke with  XXXX .  XXXX  and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in  XX/XX/XXXX . All of our figures were in sync up to  XX/XX/XXXX . Like the other VW Credit representatives,  XXXX  was not able to identify or explain why the past due amount was displayed for the billing statements in  XX/XX/XXXX , or  XX/XX/XXXX .   I demanded that  XXXX  escalate the call to a Manager.  XXXX  said there were no managers available. I informed  XXXX  I would be filing a complaint with the CFPB. I also asked  XXXX  to provide a contact phone number for the  Executive Offices of VW Credit and/or Volkswagen of America .  XXXX  said he did not have an external phone number he could share.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection account repeatedly because I am not sure why it shows I owe the apartment complex. I have requested a debt validation letter. I have tried looking the debt up online and have been unsuccessful in even finding anything on this debt. I never received a letter or anything about it prior to it showing on all 3 of my credit reports and still have not received anything. The collection agency keeps removing and adding account back on to my credit report to purposely hurt my credit. I think its unfair that they have never sent me any documentation or information regarding this debt in order for me to validate and try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection on my credit report from WAYPOINT RESOURCE GROU XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} {$820.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have illegally reaged this debt as I have not had service with XXXX since XXXX. They have the open date as of XX/XX/XXXX which is absolutely incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan management XXXX will not permit applying for loan modification online and direct you to call. However, they do not answer the phone and the phone directs you to go online. 

I have spent hours trying to reach this company to no avail. Many times they tell you to call back during business hours but it is during business hours. 
Rushmore recently bought my loan from XXXX and they are a sham! 

They need to be required to staff appropriately to meet the needs of their customers during this critical time. 

It is unacceptable to just ignore refinancing, loan modification and other needs of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).

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 2017-06-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called an requested to be set-up with an income-driven repayment plan. I provided all the information required and was approved. I provided the information to have the payments deducted from my checking account. Navient was able to withdraw the first payment without an issue. All subsequent payments were rejected due to Navient entered the banking information incorrectly. I requested that Navient reenter my banking information and paid the current amount that was due as well as payments that were missed due to their error given that I escrowed the missed monthly payments. That payments was successful withdrawn. I am now being told I do not qualify for the amount agreed upon. They stated that I get a monthly bonus from my job after reviewing my bank statement. This was the farthest from the truth. Many of the agents are difficult to deal with given they have little knowledge of how to set-up payments in their system or make changes and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am behind on my payments. I have been making a steady payment monthly though. Suddenly this month they are refusing to take a single payment that does not include all of the back balance. Refusing the payment will put me a few days from the time they can start a foreclosure process. They wont let me set up future payments to pay it off, wont let me set up a repayment plan. It's all or nothing without warning all I keep hearing is that it's their policy and has been for years yet I made the payment last month without issue and every month before that. The rep I spoke to was cold and refused to even review the notes on the account stating they have taken the payment in the past. It's very clear this company does not want people to keep their home, they would rather push you in to foreclosure than work to seek a resolution.

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 2018-11-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a phone call in my office at my workplace. During the call, a person told me that my store was expecting a shipment *security cameras ) but It could not be delivered because there was an unsettled balance. This person told me that my boss was in the line too.. I could hear his voice and we had a conversation, my fake boss instructed me to take money from our register to pay for the delivery. I ask the other person if the delivery guy could take cash but he said no, I should do a money transfer by MoneyGram instead. This payment needed to be done quickly because we could be charged a fee. 
My fake boss allowed me to go and do the money transfer for {$1000.00}, this money will be received in XXXX in a bank account in XXXX XXXX. 
So I went to a CVS pharmacy and did it. As soon as I finished, I called my boss from my personal phone number and I confirm the transaction but he told me that he never talked to me over the phone and that we were not expecting any delivery. So I realized I was a victim of scam/fraud. Immediately, I call MoneyGram to report the fraud.

Company response to consumer: Closed with explanation