vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: NY

Complaint narrative:
I have checked my credit report and I do not have any delinquent, unpaid or unsettled debts. USI Solutions ( of which I see has a slew of current complaints against them ) has been harassing me, my boss, my husband and my husbands parents with threatening phone calls and calls at night, morning and all day long. 

They have found our cell phones, house phones and addresses and I know that is illegal. 

Years ago I settled a few bills and I think they bought that old debt and are trying to collect. 

I do n't know what to do to stop them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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: CA

Complaint narrative:
In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-29 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: NY

Complaint narrative:
Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.

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: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alpha Recovery Corp
State: WI

Complaint narrative:
I received a call from Alpha Recovery Corp saying that I still owed debt on a credit card that I had 2 years ago, I was under the impression that I had paid off that card in full, it turns out they had an old address on file so I didnt receive anything about it. When they asked me to pay I said that I would pay it this month and if I could n't pay the whole amount I would at least pay part of it, but that I would like a paper bill mailed to me and I gave her my current address. Since there are so many scammers out there, I never just give people money over the phone, I wanted proof of what I owed. The representative transferred me to her supervisor after I asked her to send me a bill, he started off by repeating most of what the previous rep had said so I said, I 'm sorry I 'm really busy right now, will you just send me a bill and I will take care of it. He started to get angry and agressive at this point and said that this account was past billing and I needed to pay my bills. I said " like I told the previous rep.. '' he cut me off and started yelling about how I needed to take care of it and would n't let me speak. I said, sir, if you 're too keep cutting me off I 'm going to disconnect this phone call. He yelled back oh you 're going to disconnect this phone call? Do you think that 's going to hurt my feelings if you disconnect this call? You 're the one not paying your debts. He was literally yelling at this point, I tried to interrupt to tell him that I have every intention of paying debts that I owe, but he would n't let me talk so I hung up. I called the number right back and got another rep, by this time I was sobbing, I have never been treated so horribly by someone who is a supposed to be a professional, I told the rep that answered what happened and also told her that I have every intention of paying my debts and also asked for the manager 's name that I had just spoken to, I could tell she felt bad, but she didnt sound surprised. I googled the company after I got off the phone and found a TON of people experiencing the same issues with this company. The one good thing that came out of it was that it ended up being a learning opportunity for my son, who was unfortunately sitting next to me through the whole thing, on how important it is to be decent human being.

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 2017-02-25 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: TX

Complaint narrative:
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-11 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: CA

Complaint narrative:
Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
In 2013 I had signed up for Paypal Bill me Later, then 2 months after applying and having the credit, I moved, and a few months later I get a phone call from Paypal saying that I " accidentally '' opened up XXXX accounts and that I must of done it by accident. When I moved I was still able to change my mailing address and purchase items. I dont know how the XXXX credit opened up. I would not have opened up XXXX credit cards with bill me later it doesnt make any sense, but they said it was done by accident and I still had to pay the late fees ( which I was never contacted about through mail ). When paypal called me telling me how much I owed they said they would help me by making the bill lower since I had opened the account by " accident ''. I paid whay they told me to pay just because I didnt want to have bad credit. Im not even sure if they closed that account up but I still have my originial account open which I use regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I filed chapter XXXX in XX/XX/XXXX. I have XXXX loans with cco morgage and they are XXXX, XXXX, XXXX cco morgage since I filed they have not reported my payments to this date XX/XX/XXXX to the credit reporting agency 's so my credit scores are all very low. Now I want to sell my house and pay off cco morgage but because my scores are so low I ca n't find financing. Could you make them report even though I 'm in chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 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: CA

Complaint narrative:
ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.

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 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC
State: CA

Complaint narrative:
This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I am sending this email to file a complaint about Roundpoint Mortgage persistent negligence in not following up with their customer concerns, lack of knowledge of the customer service reps, and XXXX poor customer service. I received an escrow analysis statement the first week of XXXX indicating my new mortgage payment was going to increase by approximately XXXX month. I contacted RPM TWICE to get an understanding of the escrow analysis and was instructed to send in copies of our tax statements and I also included a copy of our updated appraisal. I immediately faxed as well as emailed the requested documentation so that the re-analysis would be initiated. I was told by XXXX of the customer reps that a re-analysis of the escrow would be done. I also requested to speak with supervisor during BOTH calls because I was not getting an understanding of the analysis and how they came up with the amount indicating the need of an increase of XXXX month. I never received any calls from RPM in reference to my questions. I called on XXXX/XXXX/16 to get an update on the re-analysis and was told it would be completed by XXXX/XXXX/16. I called today ( XXXX/XXXX/16 ) and spoke with XXXX different reps. The first rep was not able to answer any questions in regards to the re-analysis, so I requested a supervisor. I was transferred to a female representative and she immediately proceeds to tell me that I have " utility lien '' on my house. After questioning her about this so called " utility lien '', I had to tell this rep that she was reading our tax statement for our utility district. After speaking for 10 minutes back and forth about our escrow, she proceeds to let us know that no re-analysis was completed. After further speaking with this representative she proceeds to let me know that a 2 month cushion was required in our escrow account totaling approximately {$50000.00}, which is insane. I was under the impression that she was supervisor, but after speaking with her and realizing she did not know how to answer the questions she admitted to not being a supervisor and stated that she was told we requested a U.S. rep. 

The issue at this point is the escrow re-analysis was never done and I require assistance in getting my mortgage payment lowered. My family ca n't afford to pay XXXX month from {$2300.00} a month. This increase in my payment amount is RIDICULOUS and there is no way that a mortgage payment should increase more than XXXX month each year. I am requesting the assistance of management to look over my account and contact me to discuss options and also to ensure that the figures are correct. My account information is listed below :

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 2016-12-19 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: TaxServ, LLC
State: NH

Complaint narrative:
I was contacted by XXXX XXXX Collections Manager TaxServ Capital Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : ( XXXX ) XXXX x XXXX # Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXXXXXXXXXX regarding auto taxes owed to the city of XXXX in XXXX. I never received an initial bill and the first information I received was in XXXX XXXX. 

XXXX XXXX provided only a statement and the only information it contained was the amount owed, interest and fees. There was no information about the billing period or a copy of the original bill. 

I requested that a copy of the original bill be provided so I could verify its accuracy and that of the collection agency. Since my vehicle was not plated for the entire year in CT, I wanted to verify the charges. Despite repeated requests, no original bill was provided. 

XXXX XXXX asked for information ( receipt of plate return, new lease, new registration etc ) that I promptly provided then followed up to make sure it was received and was complete. For the next 4 months I contacted the XXXX XXXX to determine the status of my bill. 

On XXXX XXXX, XXXX a statement was provided with revised balance, interest and collection fee. No explanation of the change in charges was provided. Again, I have no means to verify the accuracy of the charges or revised charges. Once again I asked for an explanation and further information and XXXX XXXX refused to provide this information. 

During the 4 month period when my charges were being reviewed I was charged interest on the balance owed. The time for review is excessive and the interest charges are high ( 18 % ) per annum compared to the prime rate of less than 1 %. 

The high interest charges, long delay in revising my bill and failure to provide accurate and complete information so I can understand and verify my bill are a problem. There has already been XXXX mistake in my billing and I feel it is my right to be able to verify the accuracy of any charges and fees. With the information provided this is not possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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:
Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid XXXX phone bill in the amount of {$480.00}. This debt was incurred by someone living in a different area of XXXX, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my XXXX credit score had dramatically fallen. Upon further investigation, I discovered that ERC had filed a collection notice with XXXX. 
I disputed this action with XXXX and the XXXX ( XXXX ). XXXX backed ERC. The XXXX investigated and found in my favor. ERC sent a letter to the XXXX basically saying oops its not our fault. To this date I have not heard a peep from ERC

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 explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. 

If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 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: NY

Complaint narrative:
I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.

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