BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
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:
I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a letter from Citizens Bank stating that there was an error in a closed account of mine, and that pursuant to a Consent Order from 2015 entered into with your agency that they were sending me a check for {$4.00} with no explanation or documentation to evidence how this amount was arrived at. I believe that the check amount is incorrect and have requested that they provide me with complete documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?

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 2015-09-28
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.

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 2016-04-13
Company: ERC
State: MN
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:
The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message.

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 2015-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account should not be as much as it is and I do n't recognize this amount as being true

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 2016-11-01
Company: CarFinance Capital LLC, Irvine, CA Branch
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.

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 2015-07-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA

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 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Williams & Fudge, Inc
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
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:
There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.

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 2016-05-22
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 is not mine

Complaint:
I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of 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 2021-05-18
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I received a call from Commercial Acceptance Company at XXXX while I was at work so I could not answer. Again, I was contact on XX/XX/2021 at XXXX XXXX  by Commercial Acceptance Company. I asked who was calling and the man on the phone refused to tell me who he was. He continued asking me verifying questions saying he couldn't disclose who he was until he made sure he was talking with the right person. I kept telling him I am not going to give my information to someone over the phone that I did not know who I was talking to. He continued being rude saying I have to tell him this information and I didn't. He eventually said he was a debt collector after going back and forth when he refused to say who he was. I told him, I do not know what debt he is referring to. He continued being rude so I told him to stop calling me and send whatever information he has to the address he has. His rudeness and profound language did not stop. He said that he would continue calling me and all my family members until he finds out who I am. Saying he would contact my grandmother and anyone else he needs to. I told him to stop calling me and I hung up the phone. After all his horrible language, an hour later at XXXX, my grandmother received a call from the same debt collector asking for me. My grandmother immediately contacted me nervous for me. His threatening and harassing actions haven't stopped just there. After telling him not to contact me, he continued to contact me roughly 3-4 since that incident where I clearly said stopped calling me and send me anything through the mail. I never received anything in the mail. Then, I receive a final notice in the mail saying I've been ignoring them and have 5 days to respond or they will take additional action against me. They never sent me any debt notices in the mail prior to this final notice. i never received a letter about the invoice of my ALLEGED debt but they sent a final notice? I NEED HELP! THIS IS ILLEGAL! This company is clearly in violations of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for the XXXX update every year program at an XXXX. XXXX did a credit check through Citizens One Loans Personal who did not approve request for the following reasons : GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGEMENT, OR COLLECTION on my XXXX Credit Report. None of the above actions have ever been taken against me nor is any of this information on my XXXX credit report. 
I attempted to resolve this issue with the bank directly but was told to file a dispute with XXXX. But as it was not on my XXXX report I was unable to dispute this statement. After contacting this Citizens One Personal Loans about 5 times I discovered they had used the wrong date of birth. Citizens One claims the social security information was correct but the DOB they used was XXXX/XXXX/XXXX. My correct birthdate is XXXX/XXXX/XXXX. 
I requested the negative credit check be deleted from my credit history as it was based on incorrect information. Citizens One refuses to do so and has advised me to contact XXXX but XXXX states the credit check is based on factual information. 
Citizens Bank has admitted to using an incorrect birthdate and this leaves me at a loss as to how to proceed. 
Citizens One Personal Loans does the credit checks for XXXX but thus far XXXX has not responded to my complaint either. I have filed a complaint with CFPB already and they too are working on this. As this is a complaint about a retail credit loan I am also filing a complaint with you regarding the XXXX XXXX XXXX and their credit check procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: ERC
State: NY
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:
There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
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 wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
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:
Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-30
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.

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