vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I bank with Citizens Bank. I looked at my account and it showed that i had an available balance of {$9.00} and with citizens bank, anything you spend under {$5.00}, they do n't charge you a overdraft fee. So I spent {$7.00}, which brought my account balance to $ XXXX.Then I spent {$4.00}, which brought it to ( $ -XXXX ). Now this is how it exactly shows on my bank record and I can provide that if necessary. But they are saying that something else went through before the {$7.00} charge, so therefor I 'm getting charged a {$35.00} late fee?? NOW after there late fee just went through they know I have a {$10.00} charge coming through, so now I 'm going to get charged another {$35.00} late fee because of their {$35.00} over draft fee. Just to back up for a moment, I had deposited {$20.00} in my account because i had XXXX charges go through under {$5.00} and I knew I had that {$10.00} charge going through. So to me it 's a disgusting scam. I want to close my account out with this horrible bank but I have thing s going through, so I kind of stuck. 
the bank account I sent you does not show their {$35.00} fee, it shows they took it off but it does n't show the actual {$35.00} fee, so you will see my account is negative {$22.00} and some change but it wo n't show their {$35.00} fee in the ledger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: MD

Complaint narrative:
XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.

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 2015-08-11 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:
When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 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: SC

Complaint narrative:
This is a debt from XXXX that has already been paid through another debt collection agency that was hired to collect on the same exact debt.

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 2016-02-08 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: NJ

Complaint narrative:
XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.

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 2017-01-21 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:
Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. 

In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-13 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I recently called Citizens bank to cancel and dispute charges on my new account of {$280.00} something. I just got back from outta the country, because my dad recently passed away and I get home to find out that my roommate stole and opened my mail and proceeded to use my debit card that I just got in the mail. He still has the debit and I tried canceling it but the customer service rep was so nasty to me, and did n't help me in anyway. Just said there is nothing I can do for you! I said let me speak to a supervisor, and they hung up on me!! Upsetting and rude!! I recently kicked my roommate out, and it got ugly, but you do n't steal from people helping you! I am so disappointed with the way Citizens Bank treated and handled my claim!! I just came right to here to file my complaint and get resolve on my matter of stolen money! I do n't want to speak to another nasty customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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:
I had overdrawn my account last month and again this month. I had alerts set up that I am supposed to get an email when there is an overdraft so I can immediately deposit funds to keep from incurring fees. I have not been receiving the alerts until the day after the overdraft has occurred which entails a {$35.00} fee for each transaction that day. My wife went the XXXX day to deposit funds via check and the teller told her she could deposit via ATM and it would cover. It did not, and it posted the next day, which results in {$100.00} of fees that day. I went and made a deposit again this morning at bank opening to cover a {$8.00} overdraft from last night ( which did not show up at XXXX when I viewed the account ) and was told that I was now good by the teller with a XXXX. I logged in and saw I am in the red again because they are now charging me {$35.00} again. I have been charged fees due to both lack of notification, which I signed up for, and for bad information from bank tellers in which the manager could only apologize and say they are not responsible for misinformation from tellers and there is nothing they could do. I have been a customer of this bank for 13 years now and am tired of these inappropriate fees ( or money grabs ) from my bank due to their bad employees and bad systems. Their repetitive fees keep me from getting back in the black.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: OK

Complaint narrative:
For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.

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 2016-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: TX

Complaint narrative:
I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: TX

Complaint narrative:
A company has reported a collection which is not mine. Please remove

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 2016-06-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: FL

Complaint narrative:
As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: PA

Complaint narrative:
I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-05 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: IA

Complaint narrative:
Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX 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 2016-06-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.

Company response to consumer: Closed with explanation