vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank never sent me a copy of my XXXX for my mortgage through them. Key Bank recently purchased First Niagara Bank, whom I initially applied for my mortgage through. I emailed Key Bank, and have called them twice, asking for them to please forward me a copy of my documents so I could file my taxes. So far, and it 's been well over a month, I still have n't received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: SC

Complaint narrative:
I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.

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 2016-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CT

Complaint narrative:
I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: WA

Complaint narrative:
I recently took out a HELOC on my house and used part of the loan to payoff my installment loan with Prosper. The payoff was overpaid by {$110.00} to Prosper.com, so I asked Prosper for a refund. Prosper says I still owe them {$130.00} and will not close my account and is continuing to charge me interest. I 'm afraid Prosper is going to charge me late fees and ruin my credit because they wo n't honor the payoff statement they sent me. 

I almost lost my rate lock because Prosper would n't provide a payoff statement to the new lender. I had to call repeatedly over a few weeks, and was always promised a statement would follow in 2-3 days from their finance department. It was n't until I filed a complaint with the BBB that I finally received my payoff statement. 

Now that I am having issues again with their customer service it has fallen back into the same cycle of them saying they need to send the issue to their finance department and will be in touch in 2-3 days. I filed another complaint with the BBB, but no response this time. 

They are ignoring my issue and trying to bully me into submission by holding my money and credit hostage! It is n't right! I 'm on hold for hours with their customer service and having to dig for viable remedies to get them to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Integrity Asset Partners, Ltd.
State: FL

Complaint narrative:
i was issued a student loan, wrongfully fired, have a child on the way, the company involved stopped paying the loan, it defaulted, was given to Integrity Asset who has called constantly and made threats in my voice mail as far as suing and garnishment of wages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ERC
State: MN

Complaint narrative:
I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA XXXX It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

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: WI

Complaint narrative:
I never had a XXXX account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-08 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: FL

Complaint narrative:
XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.

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 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: KS

Complaint narrative:
I borrows {$1000.00} from Castle Payday and I have pay back {$1000.00} and the are saying that I have to pay back {$8700.00} to get out of this, The finance Charge are {$7700.00}, When I first ask for a loan it was for {$10000.00} and that was not ok so they sent me the {$1000.00} and starter taken out {$500.00} a month, they have taken the {$1000.00} out my bank, so can you help me because I do n't have that type of money I ret.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 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: IL

Complaint narrative:
On XX/XX/XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XX/XX/XXXX under the debt collector XXXX XXXX. It was deleted again under XXXX XXXX XXXX. Now this debt has resurfaced again on my credit report under Enhanced Recovery Company. Neither XXXX nor XXXX has notified me within the required five ( 5 ) days of re-inserting this XXXX deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16 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:
I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 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: SC

Complaint narrative:
My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.

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 2016-01-09 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: OH

Complaint narrative:
I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.

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 2015-07-09 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: TN

Complaint narrative:
The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.

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 2015-07-06 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: TX

Complaint narrative:
In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached.

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 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened an account in XXXX 2015 with Citizens Bank, in XXXX, PA, with XXXX XXXX NMLS # XXXX. Iam XXXX so I receive a check once a month on the XXXX.At the time, I gathered {$20.00} to open this account.I was so excited cause everything went well.At th time of this new account Citizens was running a promotion.The promotion promised a deposit of {$200.00} to my checking account after three consecutive months of my XXXX deposits. XX/XX/XXXX I stopped at another Citizens off of XXXX XXXX in XXXX, PA..It was only $ XXXX- {$30.00}. This guy informs me that the account was set up wrong and said do not worry he would fix it.I thought nothing of it. 
When I did not receive the {$200.00} after the 90 days, I called and was told 120 days.After 120 days, I called again and was told I was miss informed and it was 190 days. Now, please keep in mind I just lost my home, my daughter was XXXX my family member and was really counting on these funds for the holidays. Then, comes the letter from some big wig, XXXX XXXX at XXXX Eastern Time, that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person, who just came from being homeless from losing 25 years of house payments and belongings and living on streets until I could get a slum roof over our heads before winter set in.I NEVER OPENED XXXX ACCOUNTS THEIR EMPLOYEES XXXX THIS UP AND THEY WILL NOT ADMIT IT.I requested proof of my signature for XXXX accounts XX/XX/XXXX..I heard nothing since. Now, they took a {$35.00} overdraft fee and will not return it when they know it is their error.The bank manager in XXXX, PA AGREED AND COMPLETED paperwork to get it back and now they are saing I had a {$5.00} overdraft the day before my XXXX deposit came in on XX/XX/XXXX. I took my rent on XX/XX/XXXX which left me {$.00} in my account. The next Monday ( 2days after ) went in to deposit {$5.00} from money order so I could use the {$15.00} for train to get to doctors office and that 's when they hit me with {$35.00} fee.I went directly to manager, ( 3rd time they assigned {$35.00} fees that should not have existed ). Look I HAVE had a few times that I did use the overdraft option and had no problem paying their initial {$35.00} fee and then their {$6.00} daily fee until you replace the funds borrowed and {$35.00} fee. I want my {$200.00} and my {$35.00} fee from XXXX/XXXX/15 before I find another bank that do not steal from their customers.I am not the only one. Apparently, they do this often.I even witnessed XXXX people fighting for the same thing but they are accepting it cause they are given no other recoarse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I 'm still in school getting ready to do XXXX ca n't find a job anywhere. I 'm getting harassing phone calls I have told them I do n't have an job but they do n't care. I attend the University XXXX XXXX XXXX XXXX XXXX XXXX dad has lost his job 18 years his department has downsize he 's XXXX years old his lost everything house in foreclosure, car been reported, he just got out of the hospital XXXX. He 's was going to help me pay loan back but he ca n't find work because of his age.If anything happens to him I could n't bury him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.

Company response to consumer: Closed with explanation