vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I took out XXXX separate loans through Citizens One Bank in XXXX, XXXX as part of XXXX 's iPhone Upgrade Program. As part of the program I am required to submit banking or credit card information for automatic monthly withdrawals of the payments. I was incorrectly charged twice for my first scheduled monthly payment for XXXX loans on XX/XX/XXXX. I contacted Citizens One immediately to get this corrected and was promised a prompt refund but did not receive one until XX/XX/XXXX. Once the refund was issued my account was immediately and incorrectly labeled as " Past Due ''. I again contacted Citizens One on XX/XX/XXXX and was told that they were having issues with their computer system and my account was not, in fact, past due. I was then charged one payment for each loan on XX/XX/XXXX and XXXX additional loan payments for each loan on XX/XX/XXXX. One of the three XX/XX/XXXX payments for each loan was credited back to me on XX/XX/XXXX which meant that I was still owed a refund on one payment for each of my XXXX loans. I again contacted Citizens One to get this corrected and asked to speak to a supervisor. After close to an hour on the phone I was told that a supervisor would call me back that day. After three days I still did not receive a return call so I contacted Citizens One again. I again explained to the representative what had happened and sat on hold for more than 45 minutes while they attempted to figure out what happened. I was told that a case file was opened and an " XXXX Loan Specialist '' named XXXX ( extension XXXX ) would be contacting me. Days passed with no contact so I called XXXX and left a message. Once again, days passed with no returned call so I called and left another message with XXXX but still could not receive a returned call. After another day or two I called back and finally was able to get XXXX on the phone. We went over everything from day one again and he assured me that my refund would be issued promptly and this would be corrected moving forward. The refund I was owed was sent on XX/XX/XXXX. However, as with the refund that was issued on XX/XX/XXXX, XXXX my loan accounts are now shown incorrectly as being " Past Due '' again. I also received emails on XX/XX/XXXX saying that Citizens One tried unsuccessfully to process another payment for each of my XXXX loans that day when they were not due until XX/XX/XXXX - they were once again attempting to process additional multiple payments. I have again tried to contact XXXX by leaving multiple voicemails and an email but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Amcap Investments, LLC
State: VA

Complaint narrative:
While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA

Complaint narrative:
I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: TX

Complaint narrative:
I did not receive notice from this company of my right to dispute this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 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: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: LA

Complaint narrative:
They have called my cell XXXX times and only let the phone ring XXXX before hanging up.

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 2017-02-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I had a XXXX student loan with citizens bank, it had been turned over to collection when they were not able to reach me so the gave it back to citizens who in turn just took the funds directly out of my checking without sending me any final notice. They said because it was in my original disclosures when I received the loan back in 2012 they are under no obligation to send me a final notice or warning of action. 

Now I am experiencing a financial hardship because they have taken most of my funds and I am unable to meet my other financial obligations. 

If they sent me a notice stating you have until XXXX XXXX, or we will take the full amount from your account I would have reached out to them. Instead I find out when I check my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 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: ERC
State: MD

Complaint narrative:
When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: WI

Complaint narrative:
I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MN

Complaint narrative:
I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 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: MD

Complaint narrative:
We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. 
The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.

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 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

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 2016-05-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX '', but now " Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account, the company did not or would not publish the balance or payment schedule. Now two months later, they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid, it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The " contract '' that says we agreed is not what we were told or given at the onset, the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State, immune from federal regulation and claims ( you will be limited in what claims, if any, you may be able to assert ), we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds, but this is excessive and was not disclosed at the onset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: ERC
State: VT

Complaint narrative:
Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''

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 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I currently have a student loan in collections that has a balance of $ XXXX.When i called the collection agency Williams and Fudge Inc.they gave me a settlement offer of $ XXXX.Is it legal to charge over three times the balance? I would like to pay off the full balance but i feel that {$5700.00} is a bit excessive .Do i have any options in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH

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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: TX

Complaint narrative:
This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief