vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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: NV

Complaint narrative:
XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Check Bureau, Inc.
State: CA

Complaint narrative:
Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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:
I did not owe the debt and it was disputed on my credit by XXXX. It is no longer owed but a different collector is requesting the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I took a XXXX XXXX dollar payday loan with a finance charge of XXXX. in 8 weeks I paid them back XXXX. They deducted XXXX biweekly. I thought I was done when I received a message that there was another scheduled payment for XX/XX/XXXX, that 's when I found out I was being charged 489.872 % rate with expected payments thru XX/XX/XXXX. I 'm in the process of closing my checking account out so they can not take any more money. They have all my personal information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am trying to stop the foreclosure of my home and have been working diligently with the Citizens Bank Home set for auction XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: CO

Complaint narrative:
In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I am buying a house in XXXX, NH. The transaction is being facilitated by the attorney XXXX XXXX, XXXX who has an escrow IOLTA account at Citizens Bank with a branch convenient to his office in XXXX, NH. Paper checks payable to the IOLTA account in the amounts of {$50000.00} and $ XXXX+ from a XXXX XXXX XXXX branch in XXXX , CA , were generated on-line and physically deposited by XXXX XXXX XXXX Citizens Bank at XXXX on Friday, XXXX XXXX, 2016, with the expectation that they would clear any hold within 3 business days ( e.g. by close of business yesterday, Wednesday, XXXX XXXX, 2016 ). 

When an on-line review on XXXX XXXX revealed that the checks had not cleared, XXXX XXXX made a call to the bank to inquire when the checks would clear and was told by bank staff ( XXXX, sp? ) that the checks would not clear until XXXX XXXX. XXXX XXXX called the XXXX XXXX XXXX, CA Branch Manager and was told that the funds had been released and were not being held by XXXX XXXX, although he would look into the situation that was already beyond his control. I then called Citizens Bank ( before close-of-business on Wednesday, XXXX XXXX, 2016 ) and told XXXX to convey to the powers-that-be that I would be taking legal action if a certified check were not issued this morning ( Thursday, XXXX XXXX, 2016 ) from my funds, in the amount of $ XXXX+ payable to the seller, so that I can close on the purchase of my home. 

At about XXXX ( XXXX XXXX ), I called Citizens Bank ( because no one had called XXXX XXXX, whom I designated should be called with their response to my complaint/demand ) and requested to speak with XXXX, but was connected to Branch Manager XXXX, who informed me that she could only speak with XXXX XXXX about the particular circumstances of his account, but when pressed with the evidence that no contact had been made after my call AND she told me that she HAD told XXXX XXXX what steps to take to have the funds released ( but he had told me he had no means to get the funds released before XXXX XXXX ), it became clear to me that a complaint is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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: FL

Complaint narrative:
occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}. 

We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service. 

We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In short, I paid off my car over a year ago and RBS Citizens has not submitted the paper work to the state to release the lien on my car. I go for a copy of my title and the State is telling me that there is a lien on my vehicle. I call RBS Citizens and they tell me that I have to pay to have a copy of the lien release letter sent to the state. They also claim that they sent the release letter to the state and they have n't sent it. Neither have they sent me a copy of my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: TN

Complaint narrative:
i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.

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 2016-07-27 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: TX

Complaint narrative:
I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MN

Complaint narrative:
ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.

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 2015-08-04 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). 

The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. 

I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. 

My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. 

I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. 

I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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: NE

Complaint narrative:
The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC
State: OH

Complaint narrative:
The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-29 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: VA

Complaint narrative:
Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened an account with Citizens bank for a XXXX XXXX which had a 0 % balance transfer for 13 months. I paid every bill on time every month. I received my last paper statement dated XX/XX/XXXX - XX/XX/XXXX and paid it in full. I made several charges to my account in XXXX and XX/XX/XXXX but did not receive statements. I had to call Citizens on XX/XX/XXXX and told them I have n't received my statements. At that time I was told I requested paperless statements which I had not. I requested to have paper statements sent to me so I could take care of my payments. I was given my balance over the phone and paid it with the exception of {$64.00}. I reiterated that I had not requested paper statements and wanted my statements mailed to me. I was told it could not be changed. I received no more paper statements and in XX/XX/XXXX received the first of several collection letters stating I was past due on my account. I made multiple phone calls and spent literally hours on the phone trying to resolve this matter. All I wanted was documentation in the way of a statement for any debt owed which I never received. This issue has hurt my excellent credit rating and I feel is an unfair business practice by refusing to issue statements in the mail. I was actually told I would be charged a fee if I wanted paper statements!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 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: TX

Complaint narrative:
Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you

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 2016-04-30 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: CA

Complaint narrative:
I have been monitoring my credit weekly for 2 years now and have discovered that ERC, a third-party debt buyer, has reported a {$59.00} derogatory collection on my credit reports. I was never given any notice of the debt due ... never given a chance to dispute the issue within the 30 day period, which is required by law and a violation of my consumer rights under the FCRA. 
I am writing to obtain validation that the company has a right to collect this money from me. Thus, ERC indicates that XXXX XXXX is the original creditor ; however, I never owed XXXX XXXX any money. When I moved from XXXX, I returned the equipment to the XXXX office and paid the amount that XXXX XXXX said that I owed to close the account and pay the balance in full. This was done in XXXX 2015. Furthermore, around XXXX 2015, I received a 'refund ' from XXXX XXXX of {$44.00}. 
Again, I need validation of this debt from ERC. What was the original amount of the debt? What was the original account number and date of original debt? MORE IMPORTANTLY, please tell me why you believe that you have a right to collect this debt? Please provide verification and " documentation '' that there is a valid basis for claiming that I am required to pay the debt to this current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also, a copy of the last billing statement from the original creditor is required.

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