BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016, a set of loan payments was coming from XXXX to my bank account ( number XXXX ) at Citizens Bank, RBS. I knew that the loans are scheduled to be presented on the account on this day, for a total of {$1300.00}. On the morning of XXXX, I noticed the total payments from XXXX scheduled were greater than I previously expected. I discussed the matter with XXXX. On the morning of XX/XX/2016, the payments are still pending on my bank account, according to the lowest to highest ordering of payments all coming from XXXX. There was XXXX item for the amount of {$180.00} that would make my account negative for the amount of {$160.00}. I expected that the loan payment of XXXX would either paid or return and I would incur XXXX ( XXXX ) fee. 
I discussed the matter with XXXX and made a cash deposit for an amount of {$1300.00}. 
On XX/XX/2016, I logged on the account and noticed all loan payments from XXXX were posted on my bank account from an ordering of lowest to highest payment and my account was negative because of the last loan payment of {$180.00}, But Today, XX/XX/2016, I saw a complete reordering the payments, instead of charging one-time fee of {$35.00} for the highest loan payment of XXXX, Citizens Bank reordering the payment of XX/XX/2016, from highest to lowest and charged me seven ( 7 ) times of a fee XXXX for a total of {$240.00}. I called the Call Center ( XXXX ) to discuss the matter with a supervisor , named XXXX. I pointed that Overdraft Settlement Agreement in which Citizens Bank agreed to post transactions from lowest to highest. I also indicated that the disproportionality of charges of {$240.00} for an insufficient fund for the amount of XXXX. Citizens Bank could have returned the payment of XXXX and charged me a fee of {$35.00} and I would have to present the payment again. Instead, Citizens Bank looked at its best interests, not mine as a customer and charge a total fee of {$240.00}. This situation makes more difficulty my ability to bring my account positive and use my incoming direct deposit to pay other bills. 
I would greatly appreciate your assistance to this matter. Thank you, once again. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was just looking over my credit report and found some inaccuracies that I am demanding you correct.

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 2016-11-15
Company: FC HoldCo LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Bayview Solutions LLC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Bayview solutions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ceo XXXX XXXX hired XXXX XXXX to collect a debit i was never made awsre of he called our home and wanted to know when we were going to be home do he could service of papers filed in XXXX XXXX nv he also called my working telli g the service are to tell me i was getting sued and they better have my self and my boss there to serve me with legal papers he ssid he was doing this in nv i have not lived in nv since XXXX now im in trouble at my work for this spoke with XXXX XXXX from bayview he told me i owed XXXX i told him i have never gotten any thing in mail or calls until today XXXX/XXXX/XXXX i ask him if this was to old to collect on he said no there was a payment made on XXXX/XXXX/XXXX i didnt make a payment that was the sameday also the debit was sold i ask him to show me proof of a payment he told me no and from that date the sol stared over he also said there was a payment made in XXXX where he said we lived in XXXX nv once again there was no payment made i ask him for proof through a check number or a credit card acct number and he told me know the only time i have ever heard about this is when they called threating me and my job on XXXX/XXXX/XXXX i dont feel it is correct to threating me at work or my husband with serving legal papers and getting me fired XXXX XXXX was made aware of the treatment we recieved from XXXX XXXX i belive they have falsiefid the payments they said that were never made to rest the time of the debit they were ask to give me the origal contract and have not recieved ir also they were ask to show all documents per the fair debit act with to this date they have not if i owe debit it should be handled in a fair non threating leagal way not by bullying me also i would like to make sure my name and informatiob was not XXXX of the XXXX 's name that XXXX XXXX company put on a pyblic web site per the case involving them getting fined by the us goverment

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls using a fake called id multiple call throughout the day call prior to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ERC
State: RI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me.

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 2015-05-18
Company: Alpha Recovery Corp
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received harassing voice mails on my cell phone and office phone on XXXX XXXX, 2015. Immediately afterward, I looked up the caller ID and traced it to a debt collection agency. I emailed the customer contact listed on their website with a written cease of communication notice. On XXXX XXXX, 2015, the caller again reached out to me on my cell phone and on my office phone.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am writing again about the violation of rights under Federal law against XXXX, Transuinion and XXXX. If these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2016-05-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This matter is related to a HE Loan held by Citizen Bank ( aka RBS Citizens ). 
In XXXX, approximately a week prior to the auto debit date of the loan I submitted a form through the local branch to change the auto-debit account. Unfortunately, Citizens bank incorrectly keyed the account number which resulted in my loan payment being delinquent. I received a call from Citizens Bank Loan Operations and after several follow up calls and verification that they had incorrectly entered the account number, Citizens Bank ensured me that everything had been rectified. I insisted on them taking a payment over the phone which they reluctantly agreed to waive the fee for processing. 
The following month I noticed that the auto-debit payment had not been withdrawn and subsequently received a call from Citizens Bank. After discussing the issue I was told that they would correct the error and fix the system. Subsequent to the call confirming that they would take care of the situation, again! I received several more calls and a delinquent notice. 
Facts confirmed by Citizens Bank 1. They had entered the account number incorrectly 2. Several different loan colleagues confirmed that the situation would be rectified 3. Once the system was updated with the correct account number they failed to actually instruct the system to initiate the auto-debit 4. I have opened XXXX cases and was told that everything was rectified and the payment would be back dated to the original due date. This never occurred and I received another call and a delinquent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this company keeps calling my home number asking for me. then ask for my personal information which i will not give out. they claim i owe a debt and i do not owe anyone or company anything. then they hang up in the middle of me talking which is very rude but yet continue to call my home when i have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to open up a checking account online with Citizens Bank. Through their account enrollment site, I initiated a transfer from my savings account ( from an external bank XXXX to fund the Citizens Bank account. After pending for two days, the funds were denied. 
I immediately contacted the external bank inquiring why the funds were not released to Citizens Bank. The external bank indicated there was no record of a transfer. The external bank representative indicated that Citizens Bank likely coded the transfer incorrectly as a XXXX account instead of a savings account. This was the most likely scenario since the routing and account number was confirmed accurate. 
I presented this information to Citizens Bank. I spoke with XXXX different customer service representatives who all indicated the Bank was not responsible for the failed transfer and further demanded payment of a fee imposed due to the failed transfer. 
Citizens Bank terminated my account and access to their online banking portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Big Picture Loans, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan out from Big Picture loans out of pure desperation. When I accepted the loan it appeared that I would have to pay back the {$600.00} I originally borrowed and a {$210.00} finance charge. Today I thought I was making my last payment but when I logged on it said I had another payment due on XX/XX/XXXX. I called the company and basically all they could tell me is that I have yet to pay on my principal balance and I am paying the {$210.00} finance fee over and over. They offered to settle with me which leads me to believe that they do this often and I am not the only one that finds the terms of this loan misleading. The first settlement offer was for the {$810.00} which is the original {$600.00} I borrowed plus the {$210.00} fiance fee, I said no that does n't work and they offered to lower it to {$600.00} and I again said I could not do that and they offered to settle for {$360.00}. After digging around on the confusing and misleading website, I found that they are charging me 967.591 % interest. That means I owe them around {$3600.00}! The XXXX different women I talked to when I called never mentioned anything about interest, only kept referencing the {$210.00} finance fee that I have paid 4 times now. I understand that they have a business to run and families to feed but this is ridiculous. They are taking advantage of people desperate to make ends meet. I feel totally bamboozled and ripped off. I have no idea what I am going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: ERC
State: CA
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:
ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine

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 2016-03-15
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: ERC
State: CA
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:
This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report..

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 2016-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). 

Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. 

- for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: ERC
State: MA
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:
Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.

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 2015-12-11
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 is not mine

Complaint:
Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.

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 2016-05-28
Company: ERC
State: AL
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:
This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!

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 2022-02-14
Company: Professional Service Bureau
State: MI
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:
The XXXX XXXX  appears to be a charge-off account with a specific balance of {$12000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was not reported other Bureaus. As per FCRA, the XXXX and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the 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 2016-01-25
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home.

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