vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!

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 2015-07-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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:
XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-25 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: NY

Complaint narrative:
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means 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 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
excessive bank fees, ,over charging on my checking account i had a late pay from work they charges me XXXX in overdraft fees i ask them for help and they said that was their policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I signed the loan agreement with disclosed rate. What I did not understand is the way fees were calculated the day after you make a payment the new finance charge is front loaded on to the balance. If I paid according the the schedule I would pay approximately {$5000.00} for a {$1000.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: WI

Complaint narrative:
Williams and Fudge out of XXXX XXXX, SC keeps calling me about a student loan that I have never had. Yes I went to college, but I paid for all my classes with cash, no loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I was unaware that for a {$800.00} loan I would be paying a total of {$6800.00}. That breaks down to 887.8767 % a.p.r. I was not supplied with information at the time of the loan. I had to dig to uncover the facts. They stated that the finance fee was a one time charge, but it turns out to be an ongoing interest charge. It is impossible to reach their customer service department. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work.

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 2016-04-05 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: VA

Complaint narrative:
The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Received letter from Citizens Bank talking about a credit to my account because of errors in deposit amounts. No dates or deposit amounts included in letter. No way to tell if the amount credited is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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:
The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL 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 2015-06-25 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: ERC
State: VA

Complaint narrative:
Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.

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 2016-11-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Applied for an installment loan to purchase a new XXXX and was denied because I 've filed for bankruptcy 3-1/2 years ago. 
I 'm NOT able to file for another bankruptcy until 2020, so where is the risk on a 2 year loan..? 
I 'm sick and tired of being treated like a criminal or delinquent. 
The bankruptcy law is there for those like myself that due to an economic downturn ( for which we were NOT responsible ) did fall behind on our dues. 
There are individuals, using corporations, that make a living ( and fortunes ) using the same law. 
My credit score is now up to almost XXXX points. 
Is this a case of blatant discrimination..?? 
Financial institutions like Citizens One do not deserve to be part of our community.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We are dealing with CCO Mortgage in XXXX XXXX. VA. We are in our XXXX month of trying to get a loan modification, which they told us we are eligible for this and that we also are eligible for other programs. We filled out paperwork and sent forms over and over maybe XXXX times and we are told that they do not have forms and that we are in default because we did not comply on time. We can document and prove that all paperwork has been sent many times. We want others to know that they are also dealing with a company that is not certified by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I check my balance and it stated I had around XXXX left in my account and everything went thru so I rented a movie from XXXX.after I returned the movie my balanced read it was in the negative XXXX.then a few hours later the XXXX charge disappeared from the report and now my balance was at around negative one.then the next day it stated I was at a negative XXXX.so I was afraid to put any money in till I figure out what is going on with my account.when I was able to speak with someone they said that my XXXX charge reversed itself and the XXXX charge must have been pending.i told them that on my end the XXXX went thru and I was afraid to put in any money cause I was n't getting the right balance.they automatically assumed that I do n't keep a written log and know how to budget my finances is what the problem was.i told them that 's not the case and if I was getting the right information I would have fix the problem before any fees occurred.so they told me that they would take off the XXXX overdraft fee however they ca n't take off the other fees.i told them I need the other fees taken care of but they refused to do anything about it.i do n't appreciate how they treated me.they should of been able to taken care of all the fees and look into what they could do so it will not happen again.i do n't like how they assume that I do n't know how to budget and they did n't do anything g to report the issue so it could be fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14 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: FL

Complaint narrative:
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

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 2015-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: NC

Complaint narrative:
I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery 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 2015-06-29 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: GA

Complaint narrative:
The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XXXX/XXXX/2016 My Citizens Bank ATM/Debit card was refused twice - once at a store and once at a parking meter. I called the service number on the back of my card, was told by a service agent that the fraud department had put a hold on my card and was transferred to a fraud department service agent who painstakingly verified my identity before my cell phone call was disconnected. 2 hours later, from home, i called again on my landline, once again verified my identity through numerous numbers, and security questions before being transferred to the card fraud service department where an agent told me I would have to appear at a branch with a photo ID. When i asked why she said my account had been notated. When I asked ( politely ) why she said she could not add further details. I asked to speak to someone who could, was transferred to a XXXX who rudely and belligerently insisted a 'previous caller ' ( surely me ) could not establish his identity. This is untrue - I was the previous caller and I had satisfactorily established my identity. When I insisted my card be unblocked i was told I would be transferred to a manager XXXX I was put on hold for approximately 7 minutes at which time my call was dropped into an unnamed voice message system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: SC

Complaint narrative:
In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint. 
Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI 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 2016-03-24 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 recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief