BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have " opted out '' of all overdraft options offered for ATM charges, Checks, and any withdrawal of any kind that will overdraft my checking account to prevent overdraft fees. 
Yet Citizens Bank continues to process individual ATM transactions and Debit charges which overdraft my account, and incur fees. This complaint involves {$120.00} in overdraft fees, of which the bank refused to refund {$60.00} for a situation they caused by not following their own checking account clearing protocols which incurred the {$120.00} in unauthorized overdraft fees which started XX/XX/XXXX and which they waited until XX/XX/XXXX to issue a US Postal Service Notice of, which I received XX/XX/XXXX, due to XXXX XXXX  Holiday, all the while incurring additional overdraft fees, {$60.00} of which they refuse to refund, despite admitting it was their mistake. 

XX/XX/XXXX Fee Rebate Fee Rebate {$30.00} - {$170.00} XX/XX/XXXX Fee Rebate Fee Rebate {$35.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$230.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$140.00} XX/XX/XXXXDebit ( Unauthorized Overdraft ) XXXX   XXXX Online Pmt - {$80.00} - {$110.00} XX/XX/XXXX DBT Purchase ( Unauthorized Overdraft ) XXXX XXXX XXXX Oh XXXX - {$45.00} - {$34.00} XX/XX/XXXX ATM Cash ( Positive Balance ) XXXX XXXX XXXX Oh XXXX - {$40.00} {$10.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
on or around XX/XX/ i started getting calls from Money Key at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX that i owed a debit to them ( loan number XXXX ) i have never had loan with this company in my life my bank account was compromised around this same time when i lost my ss number my bank and i closed that account and started a new one money key some how had my phone numbers from my phone and was calling my contacts looking for me, i do not i repeat do not do online loans nor have i ever had one with money key this is money keys mailing address XXXXXX/XX/XXXXXXXX XXXX, XXXX  XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to submit a wire transfer for the closing of my house at XXXX XXXX est on XX/XX/XXXX for the meeting at noon that day. I called in to the call center at noon to verify the status with the employee who said that the wire was being transferred and gave me a confirmation number. After giving this to my lawyer, they found that this number did not exist. I called back into the call center shortly after and inquired to this and they told me my wire transfer was still in process and that they needed my verification before moving forward. I tried to give that to them on the phone but they would not accept it. The representative, as well as their website, assured me that someone would be in contact and that my wire transfer would be completed by end of business on the XXXX. At the end of business, this was not complete. I called back into their center where they told me that this request now would be completed at the start of business on the XXXX, putting me at risk of losing my home. After explaining this, I was given no help to move forward. This morning, on the XXXX, I called in at XXXX XXXX to see the status as this was still not moved, they told me they still needed to verify the information with me, which I offered to do again and offered to be transferred to this person but was not allowed. I was then promised that someone would be in contact at XXXX XXXX on the XXXX est. This has also not happened at this point. I am in dire danger of losing my home and the only reason is that Ally Financial refuses to send my money to the lender.

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 2022-04-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a Target my red card with {$300.00} limit. I called them with the card number and the target rep asked me some questions regarding some things. He said that it was a different email than mine. Used the same address and a disconnected phone number of mine. He is sending me a letter from Target about the card. It is not been opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my account several months ago due to an unfair credit line reduction but was continuing to make my monthly payments. I received a bill with a due date of XX/XX/2021 for balance XXXX. Sent in a check a week in advance for XXXX. They posted it in XXXX and will not remove late fees for their losing of my payment. My payment due XX/XX/XXXX posted just fine. My last contact was today 4/8 and was basically told that they don't care. I have paid for years, they drove away a paying customer and now want to rip me off. I will only pay what I fairly owe. I don't see how I make my due amount every month and they lose it and blame me. I will send in a payment 4/9 minus any late fee and write paid in full. I will not pay a dime more, I will file a complaint every day, and tell everyone in the world not to use Citi Bank.

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 2018-06-22
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Began in XX/XX/XXXX, fraud for {$790.00} on XXXX XXXX Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my XXXX debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
XXXX XXXX XXXX reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Regional Management Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is Regional Finance. Their ph number is XXXX. Repeatedly calling me on my cell then XX/XX/2020 called me at work on my employers ph. Then called my cell for the 30th plus time and left voicemail stating I was going to be sued and they were going to garnish my wages to 25 %. I explained my hardship to them and that I was currently using a debt settlement company. I have saved the threatening phone message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Unaware of the agreement I entered with this company finally realized my line of credit is scheduled to end by  XXXX   2018 . I received a letter from the company advising my options. I applied for a modification and was sent a letter in  XXXX  that I was not interested in any options. This was not true and was advised by a HUD certified counselor to send a letter explaining this to them. I was told by one of there reps to resend the financial packet and this was done on  XXXX   XXXX  via fax. I recieved a call by a rep from there office very nasty and threating that I was going to be foreclosed on if I do not send in the money and they did not receive any documents from my  counselor.   I have proof of this in my file. My health has taken a toll from all this. I am  XXXX  yrs old and I do not know what to do at this point.

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 2017-06-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
on  XXXX / XXXX /   2017  I called ConServe about getting my delinquent school loans in a repayment plan. I asked questions about garnishments and taking my taxes because the loans were quite behind. I spoke to a  XXXX  and told her I had n't filed my taxes yet this year and I did n't want to have to worry about a garnishment. She said not to worry, I had no garnishment on file yet, and that my taxes would be fine until I got into a repayment plan with them. Then for the next 9 months my tax returns could be taken. I agreed to that and entered a payment arrangement with them on  XXXX / XXXX / 2017 . I filed my taxes prior to  XXXX / XXXX / 2017  and received a letter from the dept of treasury letting me know my taxes were taken and applied towards my school loans. I was misled by  XXXX  of ConServe as she told me this would n't be an issue. I called ConServe to get this resolved and spoke to a manager who said he could n't do a thing, they were already taken and I would have to call the dept of education. This is a violation of the FDCPA, as I feel I was intentionally misled in order to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking at my credit notice I had a collection agency on my credit for a bill for auto insurance which they owe me a refund I told them I was switching to XXXX insurance and the lady I spoke to told me she was processing a refund for XXXX which to date I have never received she ask me to fax her the copy of declaration page which I did to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Ogden Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2020 ( Approximately ) I spoke with a representative at Cape Fear Finance XXXX XXXX XXXX, XXXX, NC XXXX in person to apply for a {$300.00} loan. I was not provided information regarding the terms of the loan. I went back in person the following day after providing my social security number for a credit check ( I have a social security security freeze with the bureaus ) I was approved for the loan through a credit check however, was told I was denied because I needed to provide serial numbers to prove ownership of a lawn mower, television, ect. to qualify. I was declined because I own none of the items they were requesting. My complaint is because the representative neglected to provide disclosure information regarding the application requirements of ownership of a lawn mower, television, ect. before processing a credit report on my behalf.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Universal Credit Services has called me several times on my cell phone to reach out to me. This has never been an issue for me, but what I'm upset about is that they have somehow reached out to my employer and called me on my private line at work. This happened yesterday XX/XX/20 @ XXXX XXXX. They called while I was not at work and then my co-worker and manager answered the phone and asked for " MY NAME '' ( me ) and when my co-worker said I wasn't available and asked who was calling, the person from UCS hung up the phone. 

Another time this happened was two weeks ago ( date unknown ) and ( time unknown ). A man from UCS called my private desk number ( and I work at a XXXX  ) our numbers are not given out to the public. I answered the phone and the gentleman asked for me and I said to him " may I ask who is calling '' the person from UCS would not identify himself, or tell me where he was calling. He told me that If I wanted to know who and where he was calling from I needed to verify my information over the phone. I told him that I would NOT do that because I didn't feel comfortable with that fact that he called me and asked for me at work. The man on the phone then told me that I can XXXX his number to find out who and where he was calling from and then he hung up the phone. 

This is NOT acceptable. I work in the XXXX field and I know my rights. It is not okay to contact me at my place of employment. The company has no problem reaching me on my cell phone and by mail. In the past when I have answered my cell phone the man over the phone transfers me to another associate and the phone disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On  XXXX   XXXX ,  2017 , I applied for a  Schwab  checking account, a High Yield Investor Checking account ( see Attachment B, page  2 ). Schwab  ran a  XXXX  inquiry on that same date ( see Attachment A.pdf, page  XXXX  ).     On  XXXX   XXXX ,  2017 , I received a letter from the company, stating my application for the account had been declined, due in part to information on   XXXX    (  see Attachment B, page  7  ).     I applied again for the account sometime before  XXXX   XXXX ,  2017 . The company again declined my application stating the same reason as in the  XXXX   XXXX ,  2017  letter ( see Attachment C, page  1  ).     I do not see what it is the company sees on     XXXX   that would bar me from opening a checking account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a XXXX combat vet who lives in XXXX XXXX and do come to Texas every 3-4 months to see XXXX XXXX XXXX I do have US creditors, but I can assure you that I did NOT apply for a credit card over this past weekend or in the last 3 months. 

On Sunday XX/XX/2022 " XXXX XXXX XXXX XXXX '' did a " hard inquiry '' on my credit report, which I have already disputed with the Credit Bureau. I am concerned that there was an identity theft attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-06-12
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: FL
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:
Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} -XXXX XXXX XXXX XXXX {$58000.00} -XXXX XXXX XXXX XXXX {$43000.00} -XXXX XXXX XXXX {$44000.00} -XXXX XXXX XXXX {$0.00} -XXXX XXXX XXXX XXXX {$11000.00} -XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX  XXXX

Company response to consumer: Closed with explanation