BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-14
Company: MB FINANCIAL, INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account at MB Financial and on XXXX/XXXX/16, my account became overdrawn. XXXX transactions came through totaling a negative balance of {$27.00}. The bank charged a total of {$110.00} in overdraft fees. I was unaware that I was overdrawn and made a deposit the next day ( XXXX/XXXX/16 ) for {$340.00}. I did not account for the {$110.00} and became overdrawn a few days after that. I received notice in the mail about my first overdrawn occurrence 5 days after the fact, but could not get to the bank until Monday, XXXX/XXXX/16. I immediately initiated a transfer of {$200.00} from another account on XXXX/XXXX/16 and {$180.00} in cash which was deposited XXXX/XXXX/16. The transfer did not show up until XXXX/XXXX/16. The tellers at the branch I opened the account at were not able to help me out and informed me I would have to wait for the branch manager, who was newly hired and in training, until his return on Thursday, XXXX/XXXX/16. I tried to get a hold of the manager via phone Thursday, but no answer. I then went in to the branch in person on Friday, XXXX/XXXX/16. By that time, I had accumulated another {$250.00} in overdraft charges for a grand total of {$360.00}! The manager would only agree to reverse XXXX overdraft fees totaling {$74.00}, however XXXX of the {$37.00} reversals boomeranged and so to date, I have only received XXXX {$37.00} overdraft fee reversal. So I am paying {$340.00} in overdraft fees so this bank could cover {$150.00}... If this was a loan on {$150.00}, and the fees were interest on that loan, I am being charged 225 % in interest! I feel this bank 's policies are deceptive and prohibitive and although I have been banking there for the last several years, once I get this resolved, I will no longer bank at XXXX XXXX. I am currently working XXXX part time jobs, XXXX of which is my XXXX, as I am presently also a XXXX XXXX XXXX. I do the best that I can and try to keep an eye on my accounts and although I was caught off-guard with allowing my account to be overdrawn, I feel this bank is very greedy and their fees are exhorbinent and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11
Company: Diversified Consultants, Inc.
State: MD
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:
I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: LD Holdings Group, LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage with loan depot. I went ahead and filled out the necessary paperwork to apply for the loan. I made a specific request that I wanted a 30 year fixed loan. I gave him my credit card number for the appraisal fee. I noticed a 15 year arm loan on the application. I was upset and asked him about it. He said that I could get a better rate if I shorten the term and did n't lock on a rate. I told him I was very upset because he did n't do what I wanted and that I wanted to cancel the loan. His manager called me and apologized and tried to change my mind. I said, " no '' and that I wanted my appraisal money back. The manager said he would refund the appraisal money and apologized. That was in XXXX 2016, I have n't received my money back or received a response from the email I sent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: RIA FINANCIAL
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
My name is XXXX and I have been doing transactions for many years now through XXXX ; XXXX and YESTERDAY TRIED RIA MONEY TRANSFER AND WAS CANCLED LAST NIGHT AT XXXX.. I did not have any problems up until last week. I am surprised I ca n't send money to a family friend that needs and I have been able to do transactions in the past and suddenly ca n't do any now and need your help to lift my name and clear it out of this mess. I have confidence in this person and know him very well so he is not a stranger. The main issue here is all these transfer companies have been cancelling my transaction .Please have these companies lift the ban of American 's sending money overseas because I have family and relatives including friends that need my support and it is not fair shutting down favors and besides I think it 's an infringement to your fundamental human right which they should n't allow. I might have to take legal action against your Consumer Financial Protection Bureau. This ban is not only affecting me but lots of Americans that do money transfers and are not able to help their families and friends to send for special occasions money overseas as well. It is not just me having the problem ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equifax XXXX XXXX XXXX XXXX XXXX Item Status : Was removed XXXX, XXXX, and XXXX and latest credit file showing items re-inserted after FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: LA
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:
I have no knowledge of this credit account XXXX XXXX XXXX   XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I originally contacted USAA 23 days ago requesting the reversal of an auto loan payment because a double payment was drafted/made for the XXXX balance due on my auto loan. Instead of reversing the extra payment that was not supposed to be drafted, USAA drafted another one on XXXX XXXX. This made three auto loan payments taken out of of my checking account instead of the one authorized monthly automatic deduction. Because of this, my bank denied the ACH transaction ; understandably so. Since then, USAA has been unable to rectify this situation. I have given USAA full rain over my checking account to fix this. 23 days later, with four payments in one month being withdrawn for my auto loan even though only one was due, and a dozen phone calls to USAA, my auto loan is still being shown as past due. They are saying one more payment is being drafted as well, that makes XXXX auto loan payments in one month and my account is not fixed. The payments USAA is drafting from my checking account are not being reflected on my auto loan. I have been more than patient, but this is an item that could drastically affect my credit and USAA has been unable for 23 days to correct this deficiency. I will not allow the inability of USAA to correct this account and reflect it as current destroy my credit. The keep taking payment after payment out of my checking account when only one was due. Attached is my bank account summary of transactions, and the USAA auto loan summary that does not match the withdrawal history at all, and shows my account not being reflected as current after XXXX payments and 23 days ( with one more " required '' before they update the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any 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 2015-07-14
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have a man named XXXX calling from Worldwide Recovery stating he has is an attorney trying to hand me a summons at my home because of a criminal case I am named in. He said that a company has hired them to deliver the legal papers to go after me with a sheriff going to be sent to my home. He kept wanting to verify my social, and got very angry when I would not, i told them they have harrased me before, saying a sheriff would be at my house and bring me in if I did not set up an automatic payment with them, in regards to my XXXX XXXX account ( the original creditor ), they said if i did not pay today it would be out of their hands and the sheriff would be coming to my house for their client. He then started to state all my personal information that he could not have unless he pulled up my credit report which he had no authorization to do. I am not scared because I have dealt with them before, and i told him he was misrepresenting himself, he is not a lawyer he is a debt collector and he hung up on me, now I have this new guy XXXX calling and threatening me, I told them specifically do not call me back ever again, and they do every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
As per my Equifax confirmation number Confirmation # : XXXX, I had XXXX negative account. XXXX inquiries and no public records. Today I look at my report and there are XXXX negative items, XXXX inquiries and XXXX public record. This information was previously no present on my report. 
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the XXXX accounts listed were not included in my bankruptcy. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the bankruptcy from my file as well as the instant inquiries and negative items which are reported inaccurately. 
I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Clear Debt Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
See attached letter. This matter has not been resolved. They are now saying I owe them from XXXX/XXXX/2014 to present and added over {$6000.00} for escrow. They have changed my payment without cause. I do not understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan with CASH CENTRAL XXXX XXXX XXXX XXXX UT XXXX phone # XXXX and I agree to 80 % interest in the loan, but about 3 weeks ago I found out the interest they are charging is 180 % which I do not recall or understood, the loan was for {$2500.00} I already make paid over {$1400.00} and yet they have not apply anything to the principal. I need you help with steps to get this to the terms I understood agree please let me know if there is any assistance that I can get

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At the beginning of the 2016 tax year, specifically on XXXX/XXXX/16, I opened an HSA account with People 's United Bank ( PUB ). At the time there were paper statements, no service charge and no minimum balance requirements. During the 2016 tax year, specifically effective XXXX/XXXX/16, PUB imposed a {$1000.00} minimum balance requirement and $ 2 monthly service charges for amounts below {$1000.00} and for paper statements. I can contribute a maximum of {$4300.00} to the HSA. For any distributions the total of which exceeds {$3300.00}, a likely occurrence, I will be penalized with the $ XXXX monthly service charges. That adversely affects the supposed tax advantage of HSAs and discourages their use in violation of the public policy established by Congress.. To impose such penalties at all is unacceptable and to to so during the tax year is even more unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a payoff amount by phone on XXXX/XXXX/XXXX @ XXXX which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for XXXX, XXXX and XXXX and including a spread sheet that shows the balance going down after the resolution in my favor on the unsubstantiated charges and then jumping back up by the same amount just a couple of months later.I have been mailing, phoning and even went to the bank to get an explanation. After almost a full year the only response I have received is " It does n't look right. I will check into it '' from the local branch manager and XXXX letter in XXXX saying they were looking into it. There has still been no attempt to justify the charges. 
They have made repeated charges for which they could make no justification since taking over this account from XXXX XXXX. In XXXX they charged late fees when I had cancelled checks showing that I had paid on time. They initially claimed XXXX late payment back years before they took over which I paid, Than they mysteriously found more late payments from when XXXX had the account that XXXX never made reference too and tried to claim them. When I threatened to report this to the banking authorities they resolved the amount in my favor. A couple of months later the same charges re-appeared and again I could obtain no valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Ad Astra Recovery Services Inc
State: AZ
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:
I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. 

I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. 

XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 

2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I switched my card from XXXX ( with annual fee ) to XXXXXXXX ( with no annual fee ) in XXXX 2016. I was not refunded the portion of the annual fee for the remainder of 2016 when I had a no-fee card. In addition, I was not given the benefits of the XXXX card from XXXX 2016 onwards ( XXXX miles per dollar spent ). I earned XXXX miles per dollar spent which is the XXXX earning rate. 

In other words, I was charged for a higher product but given the service and benefits of the lower product.

Company response to consumer: Closed with monetary relief