vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
When I applied for this payday loan through this company I was approved for XXXX. The loan was for my school fees and supplies. I was told that I would have to XXXX and that includes interest and the first payment towards my interest. I was fine with that so I proceed with the loan. When I went in to sign my documents I notice that I could not see the payment schedule or the interest rate sheet. I signed all of my documents and I received the funds. When It was time for the first payment, I payed everything. So I thought everything was okay. The next month they tried to process another payment on a different date, it was rejected because of lack of funds and received and overdraft charge. After this I logged into my account through them and found out that my amount had not went down, but it increase to XXXX. I contacted the company and I asked them why where they doing this, why has n't my principle decreased and Why is my payback amount is so much. I was told because of the interest. I told her that it was unacceptable, and I was not told that information. I asked the customer service representative that I want to speak with the manager. She transferred me, I waited for two and a half hours waiting for the manager. I hung up and called back and explained again, I received the same respond but this time they hung up the phone. I tired to called back on a later date so I can try to work out this issue with them. I explained to them that I am in XXXX school and my hours have been cut down because of the high demand of the program. I told them that I could pay a lower amount do that this issue can be resolved but I was met with threats of lawsuits and jail time. I just want this issue resolved and this stress off my back. This was the worst mistake of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: AZ

Complaint narrative:
ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.

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 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
It is understood that banks have overdraft fees, however I encountered an incident that is highly irrational and simply unconscionable. I am a XXXX employee who makes over {$250.00} a week and over a month ago, one week of my barely there paycheck went towards over draft fees. Over a long holiday weekend I made a couple of withdrawls, only after carefully balancing my checkbook to ensure that my available balance was able to cover the withdrawls. That Tuesday I checked my account, only to find to my horror that my account was in the negative for almost {$300.00}, charged XXXX over draft fee 's for purchases averaging less than {$10.00}. We immediately contacted Citizens Bank customer service, only for them to explain that because the larger withdrawls posted before the smaller purchases, resulted in my account being overdraft. The bank representative was empathetic and was not willing to remove none of the overdraft fee 's, not even XXXX. I escalated it to the supervisor and she was even less empathetic to the point of her being very condescending. She referred me to a local branch to try and get the fees reversed but this was nothing but an attempt to end the call because the branch representative referred me back to the corporate customer service, who referred me to them. There is something highly wrong when these banks, whom our tax dollars bailed out, show little sensitivity to its customers and is steadfast in its conviction to operate in a manner that lacks an ounce of humanity. It is clearly visible to the Citizens Bank how much is deposited in my bank account each week and to have not even XXXX of its employee express some level of compassion is still beside me. Every business is in it to turn a profit, but to think that Citizens Bank will go bankrupt for waiving these fees is unfeasible, what they in turn will lose are customers, because unlike its namesake, this is a bank that does NOT stand for the best interest of its citizens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I just read an article in the XXXX XXXX XXXX about Citizens bank being fined for botched deposits. Well it just happened to me, so they are still doing it to consumers. 
On XXXX/XXXX/15 I deposited a check for {$3700.00}. Fortunately I had the check photo printed on the receipt and it only shows {$740.00}. On XXXX/XXXX/15 I went to the branch and they said it would take up to 10 business days for me to get my {$3000.00}. I think this is not right! You should fine them some more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: GA

Complaint narrative:
The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.

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 2017-01-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. 
I am hereby filing my Complaint against XXXX banks. 
1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. 
These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. 
They have reported me to the XXXX in which I want my name removed. 
I feel im entitled to have a bank account without this hassle. 
I owe no fees 's with Citizens or XXXX XXXX XXXX. 
If i want to open somewhere else i need to get this matter resolved. 
These banks are in massachusettsSincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
They continue to harass me with automated calls despite having told them they have reached the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I 've used Citizen 's Bank for many years. In XXXX of 2014, they started taking monthly fees across XXXX different accounts. In some cases, there were XXXX fees in each month within XXXX account! I 've called and met with regional branches ( XXXX, XXXX, XXXX XXXX ) and did get ANY explanation as to why these accounts were getting debited. As well, the branch manager that promised to resolve this quit. On the bank statement, there is no explanation as to the nature of these new charges on old accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: VT

Complaint narrative:
Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. 
Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. 
No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. 
Called ID displays phone number not listed on website, gave appearance of phishing attempt. 
Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Kirkland Asset Management LLC
State: FL

Complaint narrative:
I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Assistance Inc
State: SC

Complaint narrative:
On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. 
I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. 
At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. 
Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. 
I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.

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 2015-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Forster & Garbus LLP
State: CT

Complaint narrative:
I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, I logged into my account around XXXX after making a couple purchases to transfer some money from my savings to my checking. My account showed a positive balance, so I scheduled the transfer for the next day. When I checked my account 5 days later, I discovered that an E-Check came thru on XX/XX/XXXX for more than I had in my account, this never showed up as pending when I logged in on XX/XX/XXXX. Then the bank processed XXXX Debit transactions on XX/XX/XXXX before it transferred my money from savings so it could charge me XXXX more overdraft fees. Then because it went 5 days ( including weekend ) with a negative balance they charged me another overdraft fee. - Now at this point on XX/XX/XXXX, had the bank not charged me any of the XXXX overdraft charges my account would still have a positive balance. The bank charged me a total of {$130.00} in overdraft fees. This is a rip-off. I just buried my father on XX/XX/XXXX, and from total exhaustion I then was sick in bed for 3 days. I do n't need this from my bank!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
Collection agency is continually harassing staff at my place of business to try to collect a debt that is not mine. Agency is asking personal questions about me to other people at my place of business. Agency is threatening to garnish wages without justification. Agency has not honored repeated requests to not call again, especially to my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.

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 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I requesting validation of debt and never received an response. I do not owe a balance on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation