vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank unlawful withdrew money from checking account without remission. When confronted with problem citizens says it was the merchant problem merchant has no record of transactions. Citizens refuse number of times to explain their action on phone or correspondance to customer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. 

the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: OH

Complaint narrative:
In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

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 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ERC
State: IL

Complaint narrative:
KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
in XXXX i was pre approved for XXXX. I provided all documents they required.In XXXX they asked for more documents. We were to close on XX/XX/XXXX and I was informed that it was pushed back again.So I decided too look for a new lender and was then informed then informed i did not qualify after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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:
Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-10 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: NY

Complaint narrative:
I have been called repeatedly for at least 6 months by a caller ID identifying itself as XXXX, NJ and a phone number. I never picked up as know no one in XXXX. Today they called and left a message : '' Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. Thank you. '' I think this is a scam as I have no bad debt. I just got my XXXX free credit reports that I am allowed per year and none say anything about any collections due. 

I am worried that they may damage my credit so I want you to get them to realize they are wrong and to leave me alone. 

Thank you for any help. 

I will also put a free fraud alert with one of the credit reporting companies so that they will share that to the other XXXX. 

Cheers, XXXX XXXX PS I am also on the Federal Do Not Call List so they are in violation for that too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alpha Recovery Corp
State: PA

Complaint narrative:
Alpha Recovery XXXX continues to harass me and my family with phone calls, disregarding written directives from me to immediately cease and desist. It was confirmed that the person whom they seek is someone else. I emailed them in XXXX 2016 and again, in XXXX, after continued harassment. The calls from Alpha are stressing out my elderly mother, exacerbating her ailments.

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 non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I submited a complaint yesterday XX/XX/2016 and you are having problems finding cco morgage they a part of citizens bank and my complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 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: CA

Complaint narrative:
Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do 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 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I applied online and was approved for a { {$1000.00} } loan from Big Picture Loans formerly known as XXXX on XX/XX/XXXX. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of { {$350.00} } to be included to the amount borrowed and had no problem paying what I believed was a one-time fee. I realize now I have been scammed, and in fear of losing thousands of dollars to these people. I was never disclosed at the time of accepting the loan that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's to a total of {$1700.00} at a rate of { {$700.00} } per month and are stating that I still owe then {$1700.00} satisfy this original { {$1000.00} } loan. { {$8000.00} } for a { {$1000.00} } loan, @ XXXX % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. I called them today XX/XX/XXXX and told them I wanted to pay off the remaining {$1700.00} and I am really upset and want these people shut down because for a {$1000.00} loan I had to pay {$3000.00} in XXXX months of interest which is highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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:
I receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-15 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: Affiliated Acceptance Corporation
State: AZ

Complaint narrative:
I 'm receiving a bill from a collection company Affiliated Acceptance Corporation stating an accelerated balance of {$1200.00} from {$410.00}. They are saying I need to pay nearly {$800.00} more than they originally stated I owed or this to be reported to a credit reporting agency monthly, I entered into a first 12 month contract for my granddaughter 's karate lesson. Afterwards it was to be monthly. My granddaughter was enrolled for two years when I enrolled her brother. After attending for a few months his father disappeared with grandson for six months. I informed the karate dojos of this and ask to have payments stop for him. Of course the payment continued and I never thought of this being a yearly commitment. I personally spoke with the person in charge and I understood to have payments stop. He assured me he would take care of this.Then later in the year my granddaughter decided she wanted to stop karate. Again, I thought since she was no longer attending the payment would stop. No, they did not, I file a complaint with my AG office. To find out the dojo is falsely stating that my granddaughter only recently started the lessons, and recent as a few months prior to her brother ... .that is not true. I can not see paying for something I am not using. I faithfully paid for my grandchildren attendance ... .never late. This is the tanks I get for being a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank - refinancing of equity loanI was notified by bank that my existing equity loan was about to expire. after check alternative sources - I was encourage to simply refinance the loan through the local Branch ( XXXX XXXX, XXXX XXXX ) After submitted all necessary documents the loan was approve by their Mortgage Dept in XXXX XXXX? I had a closing and signed all requested documents - the loan was posted with the new balance available .. now after month+ ( I had drawn no additional funds but made several payments to the equity loan - now they have screwed up now asking for more documents? the local branch called and stated the want a copy wife 's original death certificate - Although I had already furnished it originally - I called the local funeral parlor and they went to the town hall got another certifified and delivered it to the branch personally - now they apparently want more documents - my equity on- line shows XXXX balance available - and even does n't show my equity payments I made through interbank transfers - I have over 15 years experience with never a late charge and both Citizens business and personal accounts .. my credit rating is and has always been excellent with a XXXX + rating - I have always been prudent with my finances and managed them appropriately - I 'm now in XXXX and likely what ever they might need now is in my home in XXXX XXXX - I think they apparently screwed up internally and if additional documents or information was needed - they should have gotten it prior to approval and closing - not now burdening me from a distance with their incompetence - and now without access to their approved equity loan! 

my Address in XXXX is XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
On XXXX XXXX I made a international money transfer to XXXX through Western Union APP Mobile, I tried to send {$300.00} + {$5.00} Fee. For any reason Western Union Cancelled the transaction. But on XXXX XXXX Western Union took the funds from my bank account, but the money transfer was still cancelled. I called them several times and they told me I have to wait 7 days to see reflected the funds on my account.After 7 business days the money never was refunded, when I called them again they said that Western Union never took the money from the account. I started a claim with my bank ( XXXX XXXX XXXX ) the bank deposited temporarily the funds while start a dispute with Western Union trying to recover the funds. 
When XXXX could not recover the funds they took back the temporary funds, and that created a overdraft on my account. I have been in constantly communication with Western Union trying to clarify this situation but they just tell me that the bank has already give me the money back. They asked me to send them my bank statements, I did it 3 times and still I do n't have any positive answer from them. 
I just need to Western Union return me my {$300.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: IL

Complaint narrative:
I had cellphone service with XXXX. They sent me something to help me receive a signal in my apartment because the service was so awful. After I cancelled service with them, I returned the item to a XXXX store as instructed, but they still charged me for it. The item has been disputed and removed from my credit report a couple of times, but they keep re-adding it. I do not want to have to continue to dispute the same item every three months for them to remove it. I need to know what I can do to resolve this indefinitely.

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 2015-10-08 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: CA

Complaint narrative:
The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.

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 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
this been going on for some time, MO AG office resolve this, as the debt not mine back 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: WA

Complaint narrative:
I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.

Company response to consumer: Closed with monetary relief