BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. 
Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. 
As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. 

I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. 
The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. 
At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from Northstar Location Services regarding the debt of a relative. They also contacted another relative, disclosing the relative 's debt, as they also did to me. They also left a message on my cell phone ( all contacts were made to our cell phones. ) No one ever gave them permission to contact us, especially on our cell phones. The caller was deceptive as he asked " who is this? '' When neither of us would disclose our names, he gave out the information that they were a debt collector and the name of the person involved in the collection.

Company response to consumer: Closed
Consumer complaint received 2021-02-15
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Legal Group Credit Collection Bureau www.unitedlegalgroup.com XXXX : XXXX XXXX XXXX XXXX ext. XXXX They filed a collection on my personal credit report, on a fraud related account with my past business XXXX XXXX XXXX XXXX. I have attached the original complaint, which was filed in small claims and while i effected service, yet in California all small claims have to be served in California so it was dismissed. 

I have also attached two fraud complaints against the original company.

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 2021-02-16
Company: EQUIFAX, INC.
State: GA
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:
1. There is a wrong address on my credit file. The address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX. There are two collections from XXXX XXXX XXXX  that do not belong to me for the amount of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have placed a request of transfer of Health Savings Account funds from HSA Bank to another custodian since early XXXX. I have contacted HSA Bank several times to inquire on the transfer status. Each time I am confronted with another delay and excuse why they wo n't release the funds. The last time ( XXXX XXXX, 2017 ) I was told that they require up to 6 weeks to process a payment. It is beyond reasonable that a banking institution would require such a duration to perform an action like this. At this point, I believe the funds are being withheld with undo and intentional delay for financial gain of interest and/or fees by HSA Bank. A definition of fraud is a deliberate deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a letter from XXXX XXXX, XXXX. I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an RBS Citizens , N.A . account with XXXX # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24
Company: ERC
State: LA
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:
Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted 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 2016-04-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.

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 2016-12-19
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no knowledge of this debt or the creditor. This is reporting as a recent open account to the credit bureaus and I ha XXXX no knowledge of this account, the debt or the creditor and it is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Big Picture Loans, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hi. I took out a XXXX dollar loan with Big Picture Loan on XX/XX/2016. The bill was due on XX/XX/2016. for {$1300.00}. When I deposited my check, my bank put a hold on the money until XXXX XXXX. On XXXX XXXX, I went to pay the total loan off but did not have access to pay the amount online. I called the XXXX number and the first representative said they were going to charge me a {$350.00} nsf charge. I told her that the money was in the bank and I did not know they were going to place a hold. I told her that I wanted to pay the total balance on my account which was {$1000.00} for the loan, {$350.00} for the finance charge, and {$20.00} fee. which was a total of {$1300.00} She told me she needed to transfer me to the solutions agent in order to make that payment. When the solutions agent was on the phone he said the {$350.00} fee was not a nsf fee but a new finance charge for my next payment. IT was at this time that my payments were biweekly when they told me it would be a monthly charge. I did not know that they would charge me a XXXX charge every two weeks. I told the agent that if i am being charged biweekly the next payment is n't due until XXXX XXXX. I told him I wanted to pay the entire balance off, it was only 8 days late. He refused repeatedly to accept my card over the phone and stated that he would only accept a XXXX payment first for the finance charge and then the XXXX payment. I told him that I am not paying for a fee that is n't reflected on my account. I took a picture of it and it has a date and time stamp. He continued to refuse to accept my payment to pay off the loan. I then asked him for the address to send him the certified check. He said that I may incur more fees. I told him that I should not be responsible for any fees if you are refusing to accept payment in full over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: ERC
State: FL
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 CO ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2015-06-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is 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 2021-02-15
Company: FIRST FINANCIAL BANCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been getting an ENORMOUS amount of calls from various numbers out of Ohio. I have asked them to stop calling me, I have asked to talk to management, I have told them I'm going to report them and the calls persist. Two weeks ago the calls started at XXXX Monday & totaled 15 calls by Wednesday. When I ask what this is a about they say they are calling from " First Financial about the loan I was approved for ''. I have never used this financial institution nor have I applied for any loans in years. 
I XXXX First Financial and have found that this is likely fraud. I have blocked every number they have called from and they find new ways to contact me. This is harassment plain and simple and I need it to stop. They call mostly during business hours and I have a job. I need to not be bothered with this outfit anymore. Please and thank you for looking into this and shutting them down. 
I'm on the Colorado no call list & my understanding is there are serious repercussions for violating that list. I'd like them to punished by whatever measure can be enforced.

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 2015-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX CFPBMy name is XXXX XXXX, and I work at the XXXX of XXXX XXXX XXXX. We would like to open a complaint against Wells Fargo with the intentions to come up with a solution for our client XXXX XXXX. The file was place a sales date in XXXX and we started a process for a Loan Modification at the end of XXXX. We stall the the sales date and managed to stop the sales date and foreclosure by having the underwriter review a complete package. 
Wells Fargo was en route to provide a Loan Modification in XXXX but then they change the account specialist at the middle of the review. The first review started with XXXX XXXX as a Single Point of Contact. The bank started requesting updated documentation which they already had, and they requested the same documents claiming they did not received the docs. Then through out the review process, they assigned a new single point of contact by the name XXXX XXXX ext XXXX. At first glance, he had no idea what was going on with the file, and after a few review of the documents, he told us the file was under review, then requested some documentation regarding bank statements and a property located in XXXX. We complied with the needed information, we send all documentation on a timely matter. We even had a couple of conversations with the underwriter clarifying the exact clarifications needed, as well as the documentation needed. We send all required documentation on a timely matter. 

Yesterday on XXXX XXXX, we had a conversation with XXXX in which he explained to us that the underwriter removed the file from review because all documents have expired, and advise we need to start the process all over due to expired documents. I advise him that the reason they expired is due to they kept requesting the same documentation over and over again, and now they have the dignity to come to say that we need to start the process again when they were the XXXX " stalling '' the file even though we complied with a complete package from the beginning of the process. 
We need a solution to be accomplished on this situation ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have received an email from a settlement attorney on behalf of Ace Express which works with XXXX XXXX. They have stated that if I dont pay the settlement fee of {$450.00} in 20 hours they will file a case against me and I can also receive jail time, which I know is false because they can not criminally charge me of anything. I have looked at several complaints where people have received the same email that I did and I want this resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.

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 2016-11-17
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Needing other payment options besides {$460.00} a month, on top of navient saying my ffelp loans arent covered under dtr

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation