vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 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: NC

Complaint narrative:
I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.

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 2016-09-08 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 received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC
State: TN

Complaint narrative:
XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. 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 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA

Complaint narrative:
I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. 
calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!

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 2015-10-06 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: MO

Complaint narrative:
When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.

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 2015-07-21 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: VA

Complaint narrative:
XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ERC
State: KS

Complaint narrative:
Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified

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 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: AZ

Complaint narrative:
ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.

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 2015-07-23 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:
I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.

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 2016-06-27 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: VA

Complaint narrative:
I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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:
Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind

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 2016-12-30 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: CO

Complaint narrative:
This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 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 paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily

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 2015-07-15 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:
Direct TV has tried to collect a paid bill for over 6 years. The last XXXX statements were dated XX/XX/2009 stating I owed {$440.00}. The invoice was paid and next statement dated XX/XX/XXXX shows the bill has been paid and the balance is {$0.00}. But yet XXXX XXXX has continued to turn the " collection '' over to many collectors.

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 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. 
Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. 
The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: FL

Complaint narrative:
In the first XXXX years that Seneca Mortgage Servicing, LLC has serviced our mortgage, they have failed XXXX to make the home insurance payment on time. Now we are dealing with a large insurance claim to replace the roof due to storm damage. Seneca only use standard mail to exchange forms and does not use email, fax or other faster forms of communication. It took XXXX weeks for them to send us the forms required to initiate their process. They say it will take another 5-7 days after receiving for them to process the forms and release the funds to pay for repairs - and that is best case. In the meantime, our roof is vulnerable to leaking during the raining/stormy season while Seneca crawls along " protecting '' their investment. Why is an archaic company allowed to remain in the mortgage servicing business when they are actually causing problems for customers and putting property at risk? If I had a choice of servicing companies, Seneca would be on my " never use them '' list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
Called XXXX to close XXXX accounts which had held approximately {$200000.00}. I moved money out on Monday and Thursday day before. I asked about trailing interest for the money market account which held the bulk of the {$200000.00}. The telephone representative say they would not pay the interest, because I was closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credits, Incorporated
State: WA

Complaint narrative:
Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.

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 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: NE

Complaint narrative:
Seneca Mortgage company called me and requested that I pay {$750.00} immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over {$6200.00} short and that my mortgage would go up over {$3500.00} to {$4300.00}. I paid the requested amounts ( XXXX of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree as I had signed for these payments to be calculated with the mortgage payments. I agreed but still did not understand the why there was such an escrow shortage. After multiple correspondence the last letter ( attached ) shows the only shortage was in the real estate taxes and that was only {$1700.00}. I have received no payments despite multiple requests to refund the overpayments. 
Also despite paying the said amount my mortgage still went up from {$3500.00} to {$3600.00} since XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KEYCORP
State: GA

Complaint narrative:
XXXX XXXX and XXXX have reported they verified by KEYBANK full account details. 

I am requesting full disclosure of dates and information shared with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: Credit Bureau Collection Services, Inc.
State: VA

Complaint narrative:
CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.

Company response to consumer: Closed with explanation