vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 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: AZ

Complaint narrative:
they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL 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 2015-07-28 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:
Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL 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 2016-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges

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 2017-03-01 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: GA

Complaint narrative:
Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!

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

Complaint narrative:
XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a credit card through citizens bank. Recently I missed a payment and paid late. After paying everything off I contacted the customer support to make sure that everything was good. I double checked about all extra fees and costs, specifically asking them about any extra fees. The representative assured me that there would be no extra fees after paying the amount in full. The following month, I discovered that they had still charged extra interest on my account. I called customer support and their resolution was to not hold their representative accountable and to still charge my interest to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
To whom it may concern, This is a complaint against not only ocwen llc, but, also goldman sachs, for fraulant activity, dealing with my mortgage that originated with XXXX, apparently Ocwen, went to XXXX XXXX to invest in my property and they did as of XXXX/XXXX/XXXX. My loan with deuache Bank was paid off, Ocwen never gave me my satisfaction of mortgage, so I went to city hall and they informed me that my account had been updated as od XX/XX/XXXX,. On XXXX XXXX XXXX, one day before forclosure which I was not informed of, I was called by someone in the research esclations deptment telling me not to worry about the forclosure that my house is in the satisfaction of mortgage dept, well low and behold my home was sold on XXXX XXXX XXXX, even after the sherriff had told the law firm it was a fraudulent sale, 30 minutes later they had bought my home. Now I have been fighting to keep my home filing motions and being denied, I do not know if I could appeal it now I 've been sick, and my sister in law passed, But, I will go do that on XXXX/XXXX/XXXX. Now I have called Ocwen research XXXX/XXXX/XXXX, and they are again telling me it 's being investigated. I also called XXXX sachs reguarding their investment on my home and they toldme they ca not discuss this with me, but, he will be getting intouch with Ocwen, to see what is going on. Apparently, Ocwen, was servicing both of these investments, I have called XXXX and spoke to a vice president, who claims although he had everything stating my loan was satisfied in XXXX he could not put anything in writing. I do n't understand how people could sleep at night knowing they owe you what is yours. Now I have Ocwen 's eviction lawyer XXXX XXXX, phone number XXXX XXXX, she too has that it is paid off and she told me there going through with the eviction, Please help me, My home is mine, and no judge will go against another, they wont even look at my evidence, this is a violation of my rights. I need your help ASAP, Please I have XXXX daughter 's and a granddaughter in my home with me. Ocwen 's reo is coming to my home at night and flashing a flash light in my front window, that 's trespassing. I do n't know what to do, I have no money it has all gone on saving my home, Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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: WA

Complaint narrative:
There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: TX

Complaint narrative:
I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CO

Complaint narrative:
I was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 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: MA

Complaint narrative:
ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this 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 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I was charged for medical bills that should have been paid in full by XXXX. And some of the bills in collections are duplicates.

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
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: NY

Complaint narrative:
I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '. 

I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification. 

I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.

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 2015-05-20 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 company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? 
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. 
Note : Please see attached supporting document. It is dated!!

Company response to consumer: Closed with explanation