vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My daughter attended XXXX XXXX and XXXX XXXX, NJ graduating in XXXX with a BS in geology. During this period I was employed. After suffering a XXXX XXXX and long unemployment, we were unable to make regular payments on the loads, and my daughter, while employed, makes less then {$10000.00}. Consequently we missed making loan payments. I contacted the legal department and the Office of the Chairman of Citizens bank, the lender, in XXXX XXXX in an effort to reestablish an affordable repayment plan. After several discussions in XXXX of XXXX, I was instructed in writing by the legal department to submit XXXX {$100.00} payments with the expectation that I would be subsequently billed regularly in an effort to repay the debt. I received no billing, and no further correspondence or contact until XXXX XXXX, XXXX. Starting on XXXX XXXX, XXXX, Citizens bank began dunning calls, XXXX to XXXX times a day, and began calling relatives. Then I received a letter on XXXX/XXXX/XXXX dated XXXX/XXXX/XXXX acknowledging the payments, advising that no further payments were received " since XXXX/XXXX/XXXX on the above referenced account, which you agreed to pay. '' Yes, I did agree to pay, where are the bills? Why have they immediately resumed vicious dunning tactics? Why did they not follow through with our agreement to resume billing?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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 disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?

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 2015-04-30 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: FL

Complaint narrative:
Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, the doctor made some confirmation and told me that everything would be covered by my health insurance and I only had to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a debt collection from them of $ XXXX.This is affecting my credit score. I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office/ collector to try to resolve this. They were mean, disrespectful, used profane or abusive language to me and said I still owe the amount and they refused to do anything even calling my health insurance, even though the documents on my health insurance profile say I dont owe them anything except the copays which I already paid at the visits. She also sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it. They refused to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AES/PHEAA
State: IL

Complaint narrative:
AES collects on loans that NCT has purchased but they have never sent me proof that NCT owns this debt, the only item I have received was a loan agreement that I signed with XXXX XXXX XXXX. AES is committing fraud against me which I have recorded calls on my phone because they also lie about everything and does not have any knowledge of what they are collecting on. I have spoken to NCT and they acknowledge that NCT is a trust and does not make any decisions on the loans which AES claims they do. I also spoke with XXXX XXXX and he acknowledged that AES can remove any negative marks they put on someone 's credit and not sure why they told me to contact NCT. The whole company of AES are idiots and should be shut down. I can get correct information from other companies but AES hire people that do n't know anything plus they are recording people 's calls without giving them the disclosure which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a Charter One/Citizens Checking account back in XXXX of 2015 and it 's been a nightmare since. I 've been charged at least $ XXXX {$2000.00} in overdraft fees. Some I am at fault but a bunch of others I am clearly not at fault. I have called their customer service line 4-5 times throughout the months and what 's available online with the customer banking is totally different than what shows. The call I made today was in regards to XXXX overdraft fees that randomly popped up. So I called, once again to see why. I was told they were for XXXX transactions that posted on the XXXX ( not once showing me in the negative ). Needless to say they have gotten me numerous times and they can no longer get away with what they 're doing. I signed up with them because I was told the only " overdraft '' fees I would to incur with be on outstanding " checks ''. I liked that idea because I do not want to spend money I do n't have. Back in XXXX I had called asking what the overdrafts were for they told me they can occur with an instant ( XXXX ) transfers as well. I have mostly a positive running balance as you will see with the attached documents I provided. PLEASE investigate this as I am sure there are a lot of others dealing with this. It needs to stop. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 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: NC

Complaint narrative:
My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. 
This seems a little excessive. 
When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. 
The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! 
I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received an offer via XXXX mail for a {$200.00} bonus for opening a new account with Citizen 's Bank I followed all instructions to the letter, even opening a for the required checking account opened on XX/XX/XXXX in the Stop/Shop Branch. The bank said the bonus be would be paid in XX/XX/XXXX. or XX/XX/XXXX ; but now are asking many questions and ma king making excuses not to pay it. On XXXX XXXX AGAIN I went to bank and asked for the bonus, the teller said he would call me later but did not. 








XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XXXX/XXXX/2016 I purchased XXXX XXXX XXXX at the XXXX store through their upgrade program. Evidently at that time I also applied for a Citizens One personal loan for the cost of the Iphones and the XXXX XXXX policy. The personal loan application was not disclosed to me and I did not receive any documents or disclosures about the loan. On Sunday XXXX I received two emails from Citizens One that I was approved for two personal loans which completely surprised me. On Monday morning XXXX I called Citizens One and spoke to XXXX. She confirmed that I applied for two loans and was approved. She state that two credit checks were processed against my credit and that I authorized the application. I told her that I knew nothing about the application and requested she send me all my loan documents, disclosures and loan application clearly showing the terms and conditions of these loans. She told me this could not be done as they are a paperless company and that I would have to go online, set up an account and pull my documents which I have no idea how to do this. I asked to speak to a manager and she abruptly responded that a manager was not available. I requested that a manager call me as soon as one was available. I am still waiting for that phone call. All borrowers should have the right to understand loans issued by any banking institution. All disclosure documents including the application should be readily available to be sent to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I was in the hospital XXXX/XXXX/14 to XXXX/XXXX/2014. There were XXXX different bills that resulted from that visit : XXXX XXXX {$37000.00}, XXXX XXXX XXXX XXXX {$9900.00} and XXXX XXXX XXXX {$550.00}. We have insurance that pays 100 %. Both XXXX XXXX and XXXX XXXX XXXX XXXX submitted their bills to our insurance and were paid in full. XXXX XXXX XXXX, however, said that we did not have insurance and and now have submitted this charge to Healthcare Collections Inc as our responsibility and posted negative to our credit. They will not submit to the insurance and will not remove it from our credit bureau. This bill for {$550.00} was to be paid in full like the {$47000.00} that was paid to the other XXXX bills. We should not be penalized for their lack of processing and someone dropping the ball in their billing department. When I contacted them and asked why they did n't submit to the insurance, they said " We do n't have time to research and find out if people have insurance ''. I advised them that we are 100 % covered by insurance and we submitted our insurance information to the hospital upon check in on XXXX/XXXX/14 and that all the other bills were paid. They said now it is too late and refused to help us. It has almost been a year since I was in the hospital and this charge is barely posting to the credit report?! This office obviously has billing problems. We were never notified of any issues with the billing and did n't expect to be since our insurance covers 100 %. We are currently trying to buy a house and this is severely affecting our credit. Please help us resolve this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: SD

Complaint narrative:
I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.

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 2015-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even 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 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Repeated calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation