vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ERC
State: FL

Complaint narrative:
Never had this service period

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 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I made several purchases using my debit card. These were listed under my pending/on hold transactions. A couple days later, I had emergency brake work done on my car. This was after my other withdrawals. The brake work caused a slight overdraft ( which I expected ). A couple days later, I received overdraft charges on my account for XXXX items totalling 210.00 ( approx. XXXX of my paycheck ). These were all caused by the minor charges I had made previous to the brake work. In fact, the brake work was finally deducted four days after. I contacted customer service and asked for a supervisor. I spoke to a supervisor named XXXX who insisted that there was nothing he would do to help and basically insulted my intelligence. I was told that even though those charges were made previous to the large charge which caused this, that they were posted after the charge ( and while it in itself was still on hold and pending ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 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 am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 

I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. 

A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. 

I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: ERC
State: SC

Complaint narrative:
I keep receiving calls about a debt I have no clue about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My first issue concerns the length of time it is taking to settle this refinance. On XX/XX/XXXX, I filed an loan application with Citizens Bank for re-financing my home. It 's now XX/XX/XXXX, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. 

Second issue : They are now insisting that I remove security bars from " all '' the basement windows in my home because they say these security bars pose a " safety issue '' rather than just removing the bars from XXXX window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner 's insurance company, who regularly do hazard inspections. They say this is the Underwriter 's request. 

Third issue : This mortgage was originally obtained through Citizens Bank in XX/XX/XXXX, but then a few months later, I got a " welcome letter '' from XXXX. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from XXXX. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? 

My fourth and final issue is that they are now quoting me over {$11000.00} in closing costs, for a refinancing on a {$610000.00} loan. That seems very high to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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: TN

Complaint narrative:
I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
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 2015-08-05 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: NV

Complaint narrative:
I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I seen some a irregular activity on my bank account and called citizens Bank on XXXX XXXX, 2014. The representative was very condesending and rude. He said, " Ma'am! If someone were to steal my credit card information it would be for more than $ XXXX, it would be for hundreds of dollars! He brought to tears! Talked to me like I was crazy! I am a single, working mother! The activity only continued but due to my XXXX, of having to call and be demeaned again by another representative I ignored it ... Until the transactions got larger! The bank agreed to pay me back from my XXXX contact with them as per the attached, in the amount of {$310.00}. This was all due to the fact that the customer service representative, XXXX XXXX, on XXXX XXXX, 2014, said " no one would steal small amounts of money!!! '' Due to his lack of knowledge, rude, condescending behaviors and negligence they are telling me I 'm out over {$1500.00}. If he would 've did his job, when I called to alert them of the suspicious activities, he should have immediately issue a new card, In addition, I would not be going through this! Someone skimmed my card from a gas station and stole my information. I do n't know if I should contact the police as well, and am at a loss with all of this! Is there anything I can do? Are there requirements for the banks insure their employees? I have called multiple times and can not even communicate with the customer service representatives! Please HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Niagara Capital Recovery LLC
State: CA

Complaint narrative:
My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: FastBucks
State: LA

Complaint narrative:
Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: HI

Complaint narrative:
The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-10 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: TX

Complaint narrative:
On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-24 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: AZ

Complaint narrative:
I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.

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 2016-10-10 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: VA

Complaint narrative:
A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).

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

Complaint narrative:
I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
my name is XXXX I a citizens bank customer for over XXXX years my cheking acct was over draft las week they charge me 35 dollars wish a unsdentand but 4 days later they charge me 30 dollars more they said because they said my account has no money \for a total or 65 dollars I call the magnager talk them I wasn agree to pay 65 is too much money the said is the bank law, I not agree to pay almost double the amount is not right n. I can use that money for gas or food thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: ID

Complaint narrative:
I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC
State: TX

Complaint narrative:
Add this scammer to the pile of bottom-feeding fraudsters I 've filed complaints on over the past two years -- each one a downstream player in the XXXX XXXX XXXX Scam. They are harassing me regarding a debt that never existed, and they are committing myriad FDCPA, UDAAP and TCPA violations in the process. 

A robocall was placed to my cell number, which has been listed on the National Do Not Call Registry since XXXX 2013. 

The caller ID indicates XXXX number, while the message instructs me to return the call at a different number. There are XXXX of reports listed on consumer complaint websites indicating both numbers are tied to XXXX or Empire Mediation Services. 

The message does not give the identity of the caller or the company they represent. It does NOT tell me the caller was attempting to collect a debt. 

The message DOES tell me I have only 48 hours to respond to the call. It uses words like " case '' and " retain '' -- words that most consumers associate with legal matters. The message is cleverly worded to give the impression that there is impending legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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:
I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
this company continued inaccurate balance and information to the credit bureau

Company response to consumer: Closed with explanation