BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: ERC
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 had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: HW Holding, Inc
State: MN
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:
We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record

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 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I got turned down for credit on a car loan. I went to the free credit report website the only one that would give me the report was XXXX. The other XXXX site had " Technical Problems '', which required me to request a copy via mail, unless I paid them {$29.00}. When I went to pay them XXXX, their systems do not let you buy it, they make you buy a " subscription for XXXX per month. This is Transunion and XXXX. They are scams and need to be shut down.

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 2015-03-25
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
, My mortgage company added {$1000.00} onto my yearly payments stating that my real estate taxes were upped. I sent the DiTech company XXXX statements from the city showing that my taxes were not raised. Di tech said they never got the statement about the bill. Di tech wants {$80.00} a month more.I sent my XXXX payment but XXXX XXXX refuses to recognize the payment. It wants {$1000.00} as of XXXX XXXX. The company refused recognition of the payment cashed by them on XXXX XXXX. They started foreclosure on me saying I was 30 days late. They want an extra {$54.00} on my payment plus late charges which accrue each month because they refuse to change the due date on the payments. I called FHA they said there was no restriction against changing a loan payment date even though Ditech told me it could not be done. Today a paper was left on my door from Ditech. There was no envelope and no stamp which showed that a person showed up on my door step. I consider this a threat against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Williams & Fudge, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX/XXXX/15 I received a phone call from a man who said he had to " qualify a file. '' He did not identify what the file was regarding. He only said he was " gathering information. '' I refused to speak with him and told him I did n't know who he was and therefore would n't provide any information to him. He then transferred me to a woman and when I asked her what this was regarding, she said XXXX. I immediately hung up. According to my credit report, XXXX wrote off and closed this account. 

On Friday,, XXXX XXXX, 2015, I received this voicemail message : " This is XXXX XXXX. We need to qualify this file that is in review. I 'm sure we can help you sort something out but we need to talk about it. I 'm trying to prevent calling you at work. This is a courtesy call. '' On Monday, XXXX XXXX, 2015, my landlord received a message from a woman named XXXX for me claiming she was from " Worldwide '' and that she had to speak to me. She left a phone number that was similar to XXXX XXXX 's XXXX ( XXXX XXXX number is XXXX ). I then received a phone message as well stating that she was having a meeting about the file in the morning. 

When the woman called, she somehow hid the phone number she was calling from and it just showed " XXXX '' XXXX. 

I then sent a text to the XXXX number demanding that they cease calling me and my landlord. That request was ignored. 

On XXXX/XXXX/15, I received a phone call from " unknown '' at XXXX.. I then got a second call from " unknown '' at XXXX. At XXXX, I received a phone call from XXXX XXXX XXXX . He stated he 's calling me with some very important information that I need about the property on XXXX. I do not have any kind of financial interest in the XXXX property. 

On XXXX/XXXX/15 I received the following phone calls : XXXX ( XXXX ) from XXXX and at XXXX Unknown No messages left. 

On XXXX/XXXX/15 a woman named XXXX left a message for me on my landlord 's phone saying I needed to call her. It was a XXXX/area code number. She did not say what the call was regarding or why I needed to call her. 

On XXXX/XXXX/15 I got a call from Worldwide Asset Services XXXX that was an automated message. It stated that they 've left messages for me to call them but I have n't returned their call and it 's very important that I call them. The number they left was XXXX. Same message was left on my landlord 's phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, i 'm a costumer of citizen bank 11 years+.Sorry to say that but on all this years the costumer service is terible.Just went today XXXX to my branch at XXXX Ma.I noticed i was being charged {$3.00} fee the last 3 months, went there to find out why? .This costumer representative i was talking too his name ( XXXX ) was so rude.He told me go online and do it yourself, to waive the {$3.00} fee.He gave me no answer 's what that fee was for, and why he could n't helped me to waive it at the branch.I was surprised of his costumer service being 11 years with citizen 's bank, and a valuable costumer.Because of this guy i had to close the account with citizen's.Thanks citizen for this costumer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I inquired about the loan after receiving a letter in the mailast. I applied for the loan and was approved for {$900.00}, but only took {$550.00}. I was told that I had a small finance charge. I was not able to see the paperwork until after the funds were deposited into my account. I called and actually did not accept or sign anything initially, but funds were deposited. I thought that was how it worked. However, after I received the funds I read the paperwork and that 's when I discovered that over the next two years I will pay {$2400.00} or more for borrowing {$550.00}. I asked about it and was told that if I paid it off early it would be {$750.00}. Which is reasonable, but that was only if I paid it off by the first payment. I have been trying to gethe them to reduce the interest charges, but they will not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Starting on XXXX XXXX, Circle Gold Checking Accounts at Citizens Bank no longer allowed 6 foreign ATM transaction fees per month. The only way that I found out about the change was that the fees showed up in the online banking system. I complained to them about the change without notice and they pointed me to the memo section of the XXXX 2016 statement which is only visible if you know to go looking for it. It was not on any other statement or sent as a message in the online banking system, so there was no way to assure that people were aware of this change which would impact them, I consider it a bait and switch. With the push for paperless statements, which you have to pay otherwise, a dedicated message should be sent to people through the online system in the months leading up to a change that will cost the account holder money.

Company response to consumer: Closed
Consumer complaint received 2015-07-24
Company: ERC
State: GA
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 would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank reported me, rather my business which is an LLC to Chex Systems as " fraud closure ''. This comes up every time I try to open any sort of account for my personal or business whatsoever. I have a copy of my ChexSystems record and neither of which are on the file. The only record on my file is XXXX XXXX Bank and no one is able to confirm or remove something that is non existent anywhere on my file. The only thing I can think of is that it is under my Chex Systems business account consumer ID. The incorrect business is being reported showing corporation and viewing as " XXXX XXXX XXXX XXXX ''. My business is very similar just take away the " XXXX '' making it " XXXX XXXX XXXX, XXXX :. I am also not a corporation as Chex Systems are reporting with this file, I am an LLC. No one will update this and remove it from my file, name. and ssn! I will be contacting my attorney in the next 2 weeks if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Capital Management Services, LP
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed