vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: LA

Complaint narrative:
First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.

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 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I paid in full not settled a account for Citizens bank in 2012. I then received from the IRS a tax audit for a cancellation of debt from Citizens bank which I actually never settled paid in full and as I look closer looks like I paid more than what the debt was for and I continue to receive as of this month collection letters from collection companies the latest was XXXX. I have called sent letters I do not know what else I can to to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
This is in reference to Case Number # XXXX. I am adding additional information to my previous case. 

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. 

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Bank allowed someone to cash a forged, year old stale check for over {$1000.00}. This person continued to cash stolen and forged checks until my account was wiped out. Had Citizens Bank exercised proper care, the theft would have been caught early. However, they continued to cash fraudulent checks until there was n't any money left. XXXX times the amount of the check was over {$1000.00} and six times they failed to verify the signature. I have copies of Citizens Banks own policies regarding cashing checks : they wo n't cash checks over 6 months old, and they require signature verification on checks over {$1000.00}. 
I usually only wrote a couple checks a month and my handwriting is consistent. This person would return to the same location day after day, sometimes cashing multiple high value checks ( {$500.00} and above ) at different locations on the same day, and no one at Citizens raised a concern. 
When I realized the theft and forgery had occurred, I contacted Citizens immediately. When I contacted them, I had {$15.00} in my account. I was told by Citizens that my account was frozen due to the fraud, and no money would be allowed to be charged/withdrawn. Citizens continued to let charges go through until my account was negative, and then charged me ridiculous overdraft fees. Citizens has threatened to negatively affect my credit score as well because of the negative balance. I was informed that according to their policies, I would immediately be refunded the last 30 days of fraud. That was last XXXX 2015 and I have yet to be refunded anything. 
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 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: CA

Complaint narrative:
" ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. 

I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. 

He also contacted my son this morning about a contact he does not have. 

I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. 

I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.

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

Complaint narrative:
I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.

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 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: TaxServ, LLC
State: CT

Complaint narrative:
Called to find out information regarding a tax bill they stated I did n't pay in 2013 but they would n't assist. I was hung up on and threatened by the staff. When I ask to speak to a manager I was told no you 're not speaking to her about this. I spoke to XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: FastBucks
State: VA

Complaint narrative:
I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alpha Recovery Corp
State: NY

Complaint narrative:
XXXX XXXX employed as a debt collector with ARC ( XXXX ) calls my job and home XXXX times a day. I have verbally and in writing asked that he stop as I will contact them when I am able to negotiate a settlement. This is calling negative attention to me at my workplace and disturbing my home life. 

Kind regards, XXXX XXXX

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 2015-08-17 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK
State: NV

Complaint narrative:
I opened a CD account with ETrade Bank on XX/XX/XXXX in the amount of {$1000.00}. I made no further deposits after that date. When I recently checked on the status of the account by phone with ETrade bank they told me they have no record of the account. I have the actual CD in my possession. It shows Account Number # XXXX with a annual renewal term and Interest to be paid Quarterly to the Account balance. After speaking to ETrade and getting nowhere I did some research and found that ETrade had sold their CD accounts to XXXX XXXX on XX/XX/XXXX and that all funds would be transferred to XXXX XXXX beginning XX/XX/XXXX. I contacted XXXX XXXX and they confirmed that ETrade accounts were purchased but when I asked them to research my account they were not able to find it. This account should be worth {$1700.00}. I find it ludicrous that neither ETrade or XXXX XXXX has been able to provide any information regarding this account. I would appreciate any help you can offer to resolve this issue as I could put these funds to good use. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: MI

Complaint narrative:
In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.

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 explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. 

I have tried, over several months, and several complaints, to have it removed, all in vain.

Company response to consumer: Closed with explanation
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: Receivables Performance Management, LLC
State: MO

Complaint narrative:
I have previously disputed this debt as I do not and have not had an account with the original creditor. They could not provide the requested verification in the form of a contract or other agreement for services or even an affidavit of assignment, which is not surprising since this is not my debt. The last name is not even spelled the same on the " printout '' they sent to me. They removed it after I disputed it and ultimately filed a complaint. However, I just checked my credit report to see that they have again put it on there even though it is n't mine. this is getting quite ridiculous. Debt collection companies should not be allowed to put false information on your credit report repeatedly. RECEIVABLES PERFORMANCE MANAGEMENT IS HARSSING ME ABOUT A DEBT THAT IS N'T EVEN MINE!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I believe I am falsely being charged, my XXXX account was merged with my fianc early this year and is now under his name and my account was closed with any balance remaining transferred to his name. This is not correct. I 've made multiple attempts to contact the company collecting and they never pick up or they hang up on me. I 've read about this company charging many people incorrectly and trying to scam them with small amounts from using phone companies.

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 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX, 2014, my TD Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of TD Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me. 

I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 

I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like TD Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: NJ

Complaint narrative:
My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation