vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 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: The Moore Law Group
State: CA

Complaint narrative:
XXXX XXXX, XXXX and her law firm, XXXX XXXX XXXX are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XX/XX/XXXX and was bought/transferred by several different agencies and attorneys over the years. XXXX purchased/acquired the debt recently from the Moore Law Group, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire Moore Group, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. XXXX recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.

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 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: OH

Complaint narrative:
I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC
State: MD

Complaint narrative:
I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 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: CA

Complaint narrative:
Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.

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 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: PA

Complaint narrative:
the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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: GA

Complaint narrative:
I have no knowlegde of this debt and it is shown each of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-14 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: DE

Complaint narrative:
Enhanced Recovery has a collection for XXXX that belongs to my mother ( we have the same first name ). I have disputed it on my credit report and it remains..I have contacted Enhanced directly and they simply sent me a detail of payment due ( attached ). I want them to contact the credit bureaus and remove this. This is a violation of Federal Law. Her name is XXXX. My MIDDLE NAME is XXXX. We shared the same address. The account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Niagara Capital Recovery LLC
State: FL

Complaint narrative:
They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: TX

Complaint narrative:
I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: MN

Complaint narrative:
I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13 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: MI

Complaint narrative:
Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-15 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: IN

Complaint narrative:
I have notice per credit report that Enhanced Recovery reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MD

Complaint narrative:
I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!

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 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
{$200.00} on a. {$400.00} which will make the total amount {$600.00} loan they told me thats the intrest and principle on the first payment i wanted to pay their principle and intrest off leaving remaing balance of XXXX the next month they want to place another XXXX agin which they saying the intrest anr princilple on the XXXX making it {$600.00} agin so they would get an extra {$400.00} out me they qoat some bougus principle and intrest amout after called them i try to resole this but they go around in circles like they program to say samething and i ask to speak to the manger its not a manger this loan company is called big picture loans i want to know if its legitimate business also they stated that i was a value custmer and get discount XXXX off did not get it also when i ask for corporate number they said was a email

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: PA

Complaint narrative:
This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.

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 2016-06-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
I was offered a loan of {$800.00} by Big Picture Loans. I called and inquired and was told by the representative that the finance charge was {$280.00}. I even clarified with the representative that was the total amount of finance charges that I would see. Since taking this loan they have taken out 2 payments of {$280.00} within a 2 week timeframe and NO money has been applied to the loan balance. So they are basically charging me {$560.00} interest monthly for an {$800.00} and I was not made aware of these charges. I did n't receive the TIL until the loan was already processed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received a letter from my bank, Bank of America stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.

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 2016-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: IN

Complaint narrative:
I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: FL

Complaint narrative:
I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!

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 2016-08-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.

Company response to consumer: Closed with explanation