vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 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: CO

Complaint narrative:
ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: NY

Complaint narrative:
i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016.

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 2015-06-11 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: FL

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND 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 2016-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The following is the short version of what citizens bank pulled- Because of a complaint I registered with customer service department about how I had been GROSSLY mislead by one of their tellers-I was offered a half a point reduction on my equity line of credit which I was using a mortgage now as I had been advised, deeming me unable to take advantage of the one time rates being offered by the president at the present time, further exacerbating my situation. I received a letter from a XXXX drafted on XX/XX/2016 and stamped XX/XX/2016 which told me I had 10 business days to have the document within witness signed by a notary and gotten back to them and if I had any questions to call the XXXX number provided which I did-several times and could not get in touch with her once, but I did finally get a XXXX supervisor-he advised me that he had spoken to this XXXX and that the time element would not be an issue in light of my having called with this discrepancy and to go ahead and mail it back as soon as possible- I took every precaution to do this although I had phoned and spoken to one XXXX supervisor and told him that I felt it was unreasonable in light of the date it had been date stamped, but mailed it out the day it was signed and notarized-XX/XX/2016- & waited to hear back from someone-When I still had not heard back by XXXX I began calling myself only to be told By XXXX that I was supposed to have pt the letter to this XXXX attention XXXX something XXXX XXXX neglected to tell me, so it went to some other office but he would get it taken care of, later on I was then told- '' because they had not received the documents back within the stipulated period of time, they would not uphold their offer ''! -I could not believe what I had heard-they were holding me responsible for the amount of time it took the United state parcel service to deliver the mail-until XX/XX/2016-this to me in not only unreasonable, but unconscionable-I complained as far as to the office of the chairman thinking someone up there would have rational common sense to make of this matter- and was still denied! I will say once again, this is the short version, but for the sake of simplicity have given you the meat and true essence of what has transpired, I do have the original notarized letter as well. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
Hello I would like to file a complaint against a company by the name of the big picture loans. I took out a {$200.00} loan and they told me my finance charges would be {$100.00} a total of {$300.00} to pay back. I took out the loan XX/XX/XXXX and started making my monthly payments for XX/XX/XXXX XX/XX/XXXX and XXXX for {$100.00} a month. They are telling me my next payment date will be for XX/XX/XXXX, and that I only pay the principal charges, they are saying that my total loan balance is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.

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 2016-06-07 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Big Picture Loans Signed agreement 3 times and now they tell me that funds will not be deposited until XXXX. 
I was told so many lies. They repeat themselves and it does n't seem the contact center understands XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
On Friday, XXXX XXXX, I recieved a phone call from a company called XXXX XXXX, XXXX XXXX from XXXX XXXX proceeded to tell me that my husband and I owed over {$5000.00} on a payday loan account from Castle Payday that was originally {$600.00}. 
I asked him to send us a letter for verification and the right to dispute and he told me that his client does not work that way, that I would need to call or go online to verify the information with Castle Payday. In the same conversation, I told him 2 times, my husband is not allowed to receive personal business phone calls at his office and cell phone that is issued by his employer. 
This morning, XXXX XXXX, 2015, he called both work numbers for XXXX, my husband. My husband proceeded to tell him he is not to call either of those numbers again. 
When XXXX asked for the same information in writing, XXXX XXXX told XXXX he sent it 45 days ago?? He told me when I spoke to him on Friday that I would have to do the verification by calling the creditor because they dont send out the letters in writing. Which is statement is true?? 
This company has violated our rights in multiple ways and conitnues to call but we have no notice of our right to dispute in writing. I have given XXXX XXXX the appropriate phone number and mailing address to use in order to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Alpha Recovery Corp
State: MD

Complaint narrative:
XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX, I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now, two years later, Alpha is attempting to collect {$460.00} and threatens to obtain a judgment when the account was agreed and settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc.
State: MD

Complaint narrative:
I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We moved to a new neighborhood and got a letter from Citizens Bank offering a XXXX dollars direct deposit checking account bonus if we make another any deposit within 45 days after the first opening deposition. 
I went in to a local branch. A rep there helped me to open an account, and enrolled me with an overdraft insurance ( XXXX bucks ) without even telling me, and charged XXXX dollars maintanence fee each month since I did not deposit enough money the XXXX time.Ane he gave me XXXX dollars for opening that account. 
And then I went in a few days later to deposit enough money so I could be waived for XXXX bucks for maintanence. The rep promised me to credit me back that XXXX bucks, and the XXXX bucks after I told him I do n't want that. 
After a few months, I checked my account, and found the XXXX total bucks were never credited back to me. I called the rep, he promised to refund me again. 
Again after a couple of month, I contacted him the XXXX time. He promised to do it again. 
As of today, it has been more than 7 months after I opened that account, and I have never received that XXXX dollar bonus as promised to be credited within 4 months, and I still never got back that XXXX bucks, and I am leaving this area soon, I finally went to talk with that rep face to face. 
He finally credited me that XXXX bucks he should have never charged. But he did not give me that XXXX bucks. The reason he gave me is following after he talked to someone on the phone : The XXXX dollars opening bonus he gave me cancelled out my XXXX bucks bonus!! 

I said why do n't you cancel that XXXX bonus and let me have the XXXX bonus then. He said that is a done deal and he can not change it. 

I clearly showed him the XXXX bonus certificate when I went to open that account!!! 
I guess that is how citizens bank honor their opening bonus. A very disappointing experience from me.I almost lost XXXX bucks instead of getting XXXX. What a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 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: FL

Complaint narrative:
On XXXX/XXXX/15 I was notified by XXXX creditor monitoring service that Enhanced Recovery Company ( ERC ) has placed a collection account on my credit file. On XXXX/XXXX/15 I notified ERC that I have no knowledge of an account or balance with XXXX and requested verification of any such account. I received an email message form ERC on XXXX/XXXX/15 stating they would cease communication and request documentation from " their client ''. As of this date I have yet to received any information or documentation to valid any such debt. Enhanced Recovery Collections is in clear violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 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:
I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17 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:
i made a deposit yesterday and my account was in the positive. this morning they charged me {$12.00} for overdraft. i have overdraft protection on the account in the amount of {$70.00} and the amount they said the account went {$4.00} in the negative. i looked at the account this morning and it was never in the red or minus and yet they charged me {$12.00}. last month they charged another overdraft fee of {$12.00} for the {$0.00}, that 's right, XXXX XXXX cents they said they had to cover. again the account on line was never had a negative balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC
State: FL

Complaint narrative:
They keep calling my cell phone, which is illegal. They have also called me at work. 

The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-17 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 received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. I was told that Citizens Bank Out Reached to them to make a collection attempt. I called back and they told me that I could settle with a payment of $ XXXX- {$120.00} right then and there so i could open another account with another bank which I thought was weird. Then I tried to call back and no one would answer and I tried three times. He said that he would be there til XXXX, which it says that they are open til XXXX EST. I really do n't want to be scammed so i thought that i would email someone for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: TX

Complaint narrative:
Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.

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 2016-04-15 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.

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 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/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