BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To whom it may concern, U.S bank charged me for overdraft fees and are refusing to return them. I was on the phone with a banker on Monday XXXX XXXX at XXXX Pacific time. My account was not overdrawn and everything was well! On Tuesday XXXX XXXX, I received a call from the XXXX branch, checked my checking account and I have XXXX consecutive overdraft fees for funds that had not been processed the day before even though less than 24 hours before then my pending balances were evened out by the balance available. I went in to talk with them and I was told I can only get XXXX refund. This is not the first time something like this has happened but seriously this time has got to be the worst I have felt ( primarily because my XXXX other accounts with them had more than enough cash!!! ). This is such a rip off, their customer service representatives take no action towards this ( and apparently are not allowed to ) and honestly as petty as this sounds I am flabbergasted at how much this institution 's restrictions and process prove to be incompetent at times. If you know that your bank processes weekend charges much later than other banks then you also should delay on charging overdraft fees instead of ruining people 's financial planning.

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 2016-12-16
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Other

Complaint:
I have negative reporting on my credit bureau. The dollar amount owed and the total amount of payments are incorrectly factored into my credit score which is bringing down my credit score substantially. I use my CC by the recommendation of US BANK and its branch managers as a substitute for my Debit card. My CC type is a XXXX XXXX Rewards card. They insist I use the card because I gain cash for traditional purposes - then with live cash transfers from my checking account I make payments for the full balance every XXXX weeks. I have not paid late in XXXX years and like clockwork I pay of all or close to the entire amount. This means I gain no interest since I pay off ALL transactions within XXXX days prior to the XXXX day billing period. This means less interest. The problem. They consistently show only XXXX payment a month and constantly show I am near or over my limit. If the true calculation is used they would see all Transactions are paid within XXXX days so this is a false reporting showing I am " on time '' with my payments but over my limit which is false. I would know - I used to be a Branch Manager with US Bank and can validate the internal issue IS WELL known however not many customers know how or where to address this. The calculation based on credit score simulations showing the CORRECT number of payments based on the timeline to close each transaction would leave my credit score ABOVE XXXX. This is costly to me as my interest and rates suffer significantly as my credit score is less than XXXX. In addition to the loss of interest rates which should be applicable to me due to my stellar payment history US BANK Branch Managers Insist I continue to use my CC in the manner they suggest as it ( AS THEY STATED ) will improve my credit Standing with US BANK - this is a false statement as they too only look at current credit scores. I have called and have been given the run around for months but am now told to file a complaint. So here it is based on their recommendation.

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 2015-04-20
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied online and was approved for a { {$1000.00} } loan from Big Picture Loans formerly known as XXXX on XX/XX/XXXX. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of { {$350.00} } to be included to the amount borrowed and had no problem paying what I believed was a one-time fee. I realize now I have been scammed, and in fear of losing thousands of dollars to these people. I was never disclosed at the time of accepting the loan that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's to a total of {$1700.00} at a rate of { {$700.00} } per month and are stating that I still owe then {$1700.00} satisfy this original { {$1000.00} } loan. { {$8000.00} } for a { {$1000.00} } loan, @ XXXX % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. I called them today XX/XX/XXXX and told them I wanted to pay off the remaining {$1700.00} and I am really upset and want these people shut down because for a {$1000.00} loan I had to pay {$3000.00} in XXXX months of interest which is highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under the Home Affordable Modification  Program ( HAMP ), th ere is the Pay For Performance program, and then the Recast Re-Amortization program which, on the sixth anniversary of your HAMP modification, reduces your mortgage principal by {$5000.00}, AND lowers your monthly payment because of the lower principal.     Bank of America did lower my principal by {$5000.00}.     But, Bank of America has NOT lowered my monthly payment, per the term s of the Recast Letter Agreement. They claim mail d elays for the new paperwork, and then now claim technical difficulties.     So my  XXXX   XXXX ,    2017  mortgage payment amount is incorrect, but I was told to make it anyway, or be considered late. No date has been provided to me for the fix of the problem.

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 2017-02-09
Company: ERC
State: TX
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:
Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-06
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA

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 2016-12-05
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-25
Company: Big Picture Loans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. 

the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizens Bank unlawful withdrew money from checking account without remission. When confronted with problem citizens says it was the merchant problem merchant has no record of transactions. Citizens refuse number of times to explain their action on phone or correspondance to customer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERV, is attempting to collect a debt that does not belong to me, I have never done business with this company or their original creditor insurance. I believe this is Fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. On XXXX XXXX, XXXX I closed a Citizens Bank account, taking the proceeds in the form of a ( Citizens ) bank check. The amount of the check was {$1000.00}. 
2. On XXXX XXXX, XXXX I deposit this check into my ( another ) Citizens Bank account. This check was promptly returned to me as unpayable stating the reason as " refer to maker '' ( the maker being Citizens Bank ). After numerous inquires and a variety of answers, I was informed Citizens Bank had escheated the check to the XXXX of Pennsylvania. 
3. On XXXX XXXX, XXXX, with the help of a Citizens Bank representative, an investigation request was sent to the XXXX Pennsylvania. 
4. The PA XXXX has informed me that they did not this receive the escheated check ( or proceeds thereof ). 
5. On XXXX XXXX, XXXX I again contacted Citizens Bank requesting a paper trail, or any documentation showing the check had been escheated to Pennsylvania. The Citizens Bank representative essentially told me she could not obtain any such documentation, and basically there was nothing further Citizens Bank could do to help me resolve this missing check problem. 
6. So as it stands now, Citizens Bank is saying they escheated the check to Pennsylvania, and Pennsylvania has no record of the check. It appears that Citizens Bank is now washing their hands of the issue, and refuses to provide any additional assistance. 
7. It is my contention that Citizens Bank has the obligation to provide the documentation to track the whereabouts of this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: ERC
State: IL
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:
I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you 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 2016-03-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ). 
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem. 
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information. 
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response.

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 2017-01-13
Company: AES/PHEAA
State: IL
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:
On XXXX XXXX, XXXX, I began an application with XXXX to refinance my student loans that were being serviced by FedLoan. On XXXX XXXX, XXXX, I received notification that XXXX had disbursed funds to pay off my FedLoan balance. When the payoff posted on XXXX XXXX, XXXX, I had a credit balance of {$620.00} since I had continued making payment from the time I started my application to the time the funds were disbursed and posted. I contacted FedLoan about the credit balance and was told I had to wait until I received a paid off statement and that a refund check would cut automatically. On XXXX XXXX, XXXX, I received an email with a payoff letter stating the loans were paid in full. Whenever I login to my account, I still have a credit balance. I have sent messages through my online FedLoan account ( no responses ) and called ( told I have to wait ). I am requesting assistance to get a refund so I can apply it to my refinanced loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: AES/PHEAA
State: OH
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:
I was paying off XXXX student loans. I had directed FED Loan to pay off loan sequence # XXXX in full. I had written this information on the check and included a letter of direction in the envelope. Upon review of my student loan, they did not do as directed. They instead paid a certain % on loan sequence # XXXX and a certain % on loan sequence # XXXX. I had previously called 4 different times to ensure I was getting the right information. The representatives I spoke with are : XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX. Calling today, XXXX/XXXX/16 XXXX XXXX basically called me a liar because he could n't see the letter and " maybe I was n't specific enough. '' At the moment, I do not want ANY adjustments made on my accoutn. This is just one issue I have had with Fed Loan. It would be nice to get accurate information and for the payment center to follow directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen back in XXXX 2008 when my purse was stolen from my person. I have the police report with the statement of theft. Today, I received a phone call at my place of work regarding a collection of debt. The company is Performant Financial Corporation and the caller was XXXX XXXX. I explained to XXXX that I am a victim of identity theft and her calling me at work was illegal under section 806 ( 5 ) of the Collection Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08
Company: Performant Financial Corporation
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
On Wednesday, XXXX/XXXX/16, I received a call from, XXXX XXXX, a representative of Performant Technologies , Inc . The call was in regards to a past due balance on my student loan. I believe that the representative infringed upon my privacy and confidentiality rights and also violated the FDCPA. Before identifying who I was, she disclosed the amount of my past due balance and attempted to resolve my negative balance. She simply asked for me by name and went into details about my account. After discussing my account in detail, she asked me to verify my address, which I believe was her attempt at verifying my identity ; however, this does not adequately verify that she has the correct party. She also never disclosed that she was a debt collector when she was directly asked if she was. She used deceptive collection practices to coerce me into resolving my overdue balance. This phone call was full of FDCPA violations. I finally agreed to a forbearance and I 'm not sure if she even processed the forbearance for me.

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