vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: PA

Complaint narrative:
XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.

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 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NJ

Complaint narrative:
They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX 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 2016-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
When I called this company to take this loan out the lady told me for XXXX $ loan it would be a XXXX $ finance charge. So I agree to that. The documents did not show that it was an 850 % interest rate and that XXXX $ finance charge was every two weeks. Interest alone nothing towards the principal. So I see this place is going to XXXX over and I called to pay XXXX $ towards the loan. So over a week passes by the money still has not come out. So I call and after talking to 3 different people who were very very hard to understand she tells me it will come out on my scheduled payment date. Not mentioning that also they will take out the XXXX $ finance charge again. So payday comes today and they take XXXX $ and I still owe XXXX $ with a finance charge of XXXX $! So in a month I 've paid XXXX $! They make it very hard to pay off the loan. And they wait so they can charge you even more money. This loan was a huge mistake and they were very misleading on how the payments worked and I was not able to see the payment schedule till after I got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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:
In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.

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 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank charged extortionately disproportionate overdraft fees when I overdrew the account by {$4.00}. Some of the fees were inconsistent with the policy. This is the chronology of events:XXXX overdraft of $ XXXX overdraft fee ( {$35.00} ) & lt ; = should have been waived by " overdraft pass '' XXXXXXXX overdraft fee ( {$6.00} ) & lt ; = fee starts too XXXX overdraft fee ( {$6.00} ) & lt ; = XXXX business day ( when sustained fees may start ) XXXX overdraft notice receivedXXXXXXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX payment initiated at other XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) There is an " Overdraft Pass '' feature, which states : '' If you overdraw your account with a transaction of {$5.00} or less we will not charge an Overdraft Fee. '' ( XXXX ) So the fee for {$35.00} should not have been charged. Also note that the daily fees started a day sooner than in the terms : " If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn ''. In my case the daily fees began on the third day, not the fourth. Also note that in the end XXXX more fees accumulated /after/ I sent a deposit to make the account positive. For XXXX of those days the money was in limbo, absent from both accounts. 

In the end I was charged {$90.00} for an overdraw of {$4.00}. That 's a staggering 2,261.7 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: GA

Complaint narrative:
I do not owe this bill. XXXX was aware years ago this was id theft. I requested or this company remove this off my credit report. I never received anything in writing from this company. next thing I know this on my credit. this company just put on here. I wrote a letter of dispute as well demanding they remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-26 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
XXXX party debt collector has reported to my credit a debt and I have repeatedly sent them letters advising them to cease and desist this collection activity as I do not deal with collection agencies. I advised them that if they were going to continue to report or try to collect this debt that I required they send me a copy of the Surety bond that they had to have purchased and filed with the secretary of state in order to legally report this debt and the date of the bond would have to correspond with the date that this agency began its collection activity. Per the law below that is my right. 
According to the Texas Consumer Law and Texas Debt Collection Act, Subchapter B ; Section 392.101 ; a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in the state of Texas. A copy of the bond must be filed with the secretary of state. The bond must be in favor of any person who is damaged by a violation of the chapter and the bond must be in the amount of {$10000.00}. 
If you persist in collecting this debt please supply the surety bond number and the date of when the bond was filed with the Texas Secretary of State. 

Section 624 [ 15 U.S.C. 1681t ] states that you must comply with Texas State Law. 

Since it is my policy to neither recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

After all of my attempts to get this collection agency to send me this info or delete this item from my credit, they have ignored. I even sent my last letter certified, signature return receipt. 

I am a licensed mortgage loan originator and now my license is being threatened because of this reporting. I do not owe this company. I have never entered into a contract with them. They purchase my debt as a third party from an original creditor that no longer is collecting or reporting this debt. please help me get them to delete this erroneous information from my credit report before I lose my license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alpha Recovery Corp
State: VA

Complaint narrative:
They are calling me everyday about family member debt.

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 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank XXXX Headquarters : XXXX Citizens XXXX, XXXX, RI. ) continues to cheat customers by not correcting electronic mistakes. The {$34.00} XXXX they have to pay for shortchanging customers is apparently not enough of an incentive to clean up their act. I made an online transfer from my Citizens Bank checking account to my Citizens Bank XXXX ; the online transfer was scheduled for XXXX XXXX, 2015. Due to technology issues with their vendor that occurred the evening of XXXX XXXX to XXXX XXXX, this transfer failed. When I logged into my online Citizens Bank account to pay a bill, I noticed a " transfer failed alert '' in the Alerts Center XXXX see attached documents ). I rescheduled the payment transfer to take place immediately, which was then past due on account of circumstances out of my control XXXX technology failure at Citizens Bank 's end ). 
I assumed that I would not be charged late fees and interest for the late payment. I was wrong. I opened my billing statement to XXXX I was being charged a {$25.00} late fee, as well as interest of approximately {$60.00}. I find it odd and disturbing that they sent me an immediate alert that my payment transfer from my Citizens Bank checking account to their Citizens Bank credit card failed to go through, yet no alert indicating I would not be charged a late fee and would not be responsible for interest charges. They were aware that my payment failed to process due to a technology issue at their end ; therefore they should have also been aware the late payment would result in erroneous interest charges and fees at my end, yet they failed to communicate this to me. I had to make a phone call to Citizens and was kept on the phone for XXXX minutes waiting for this issue to be resolved. It was finally resolved, but only because I caught the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 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:
The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.

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 2015-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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:
Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.

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 2015-11-12 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: PA

Complaint narrative:
I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: MI

Complaint narrative:
I keep on getting calls from EHANCED RECOVERY COMPANY i do not know what debt they are trying to collect

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 2016-07-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
Charged illegal interest rate of 585 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear Sir/Mam, I am writing to you in regards for an issue involving the wire transfer of {$2000.00} to my Beneficiary 's account who holds an account with the XXXX bank located at XXXX, XXXX branch. 

I hold an account with Citizens Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA, USA. Since two months were over and as the money transferred from my account to the beneficiary 's account was never credited to his account under the specified period of time ( reason still unknown ), I had to recall the wire transfer with the help of Citizens Bank back to my account but neither the money has been credited back to my account. 

Upon further searching, I was told by Citizens Bank that the XXXX Bank had already sent the wire transfer money to XXXX and XXXX XXXX XXXX who acts as an intermediary bank in regards to the Citizens Bank has been waiting for XXXX to respond to them in this issue. ( as informed by Citizens Bank official ) I would really appreciate and would be highly obliged if you could help me resolve this issue as soon as possible just because being a recent graduate, the amount of {$2000.00} means a lot to me and the issue has taken a way longer than normal which in itself has been very stressful! 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
XXXX hospital sent my bill ( {$570.00} ) to " Health care collections '' in XXXX, Az. " Health care collections '' sent me a pile of letters stating I owe them. I called the XXXX hospital and asked why they sent my hospital bills to a collection agency. The hospital said their was no problem with my bill, and that the monthly payments were in good standings. So I asked if I could pay the hospital my bill in full and they said " Yes ''. Which is what I did, then I sent " Health care collections '' their bills back. But every since I did this " Health care collections '' started calling me at least daily, Then weekly. When I finally after many call from them picked up the phone to talk to them they hung up. This has been going on now since XX/XX/XXXX. 
I did call " Health care collections '' directly and complained about their tactics calling on me, but this rude guy told me I had better get my facts straight! I refuse to answer these calls, but enough is enough!

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 2015-09-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Capital Recovery LLC
State: FL

Complaint narrative:
Person calls repeatedly from a restricted nbr claims to call from a government office threatened to send a summons to my job and contacting family saying they are going to get me fired

Company response to consumer: Closed with explanation