vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank, allegedly from XXXX, CT made a hard credit inquiry on me to XXXX. This was not authorized and efforts to remove it are impossible. Their phones are just answering machine. This is illegal and I want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
To Whom It May Concern, Citizens Bank has frozen my joint account with my XXXX parents ( XX/XX/XXXX.-XX/XX/2016 ), without any notification or explanation!! Got so humiliated when my debit card did n't work, for the first time in my life! Eventually they forced me in to closing it ...!!!?? 
I have talked to many people from the bank but nobody is telling me what happened and why? 
They did mention something about being born in XXXX ( XXXX, which was decades ago!! )!? But that 's it! I still have other accounts with them, is it gon na happen to those as well? XXXX XXXX XXXX did it to me before! So tired of being treated like a criminal .I am a U.S. citizen and been in the U.S. for almost 20 years, preschool teacher mother of XXXX living my life peacefully, just want to know what is it that I have done to be discriminated against like this! 
XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: CA

Complaint narrative:
My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. 
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. 
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.

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 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NJ

Complaint narrative:
This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, XXXX XXXX XXXX XXXX, lists their business address in XXXX XXXX, MN allegedly hired the firm of Schlee & Stillman , LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to one another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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: FL

Complaint narrative:
Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.

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 2016-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ERC
State: NJ

Complaint narrative:
left a message telling me the police would go to my home and my job to arrest me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
XXXX XXXX has a program titled " XXXX XXXX XXXX '' that allows XXXX to purchase an XXXX that is financed through Citizens One bank. After 12 months you have the option to trade the phone in for a newer model. This program also includes XXXX protection. Citizens One requires a credit card and sets up for automatic loan payments. 
I purchased an XXXX through this program in XXXX, 2015 and decided to upgrade the phone. I have not missed a single payment to Citizens One nor have I made a late payment. However, Citizens One runs a credit check and declines to finance me. This effectively means that I ca n't take advantage of the benefits of this upgrade program. My credit status has not changed since Citizens One approved the original loan. I believe this an intentional maneuver on the part of Citizens One to increase their profits by forcing me to stay locked into the loan for this phone. This is a deceptive practice and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 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: IL

Complaint narrative:
On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC
State: NC

Complaint narrative:
I returned the device to XXXX store within 14 days. The device was unopened and never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 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: FL

Complaint narrative:
I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 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: CA

Complaint narrative:
In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, 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 2015-03-31 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:
This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
CCO Mortgage - Citizens Bank collections department has been calling me XXXX times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to XXXX people, I found out that they implemented a new policy to call their customers if payment is not made by XX/XX/XXXX - even though the grace period to make a payment is until XX/XX/XXXX. Payments received after XX/XX/XXXX are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a " cease and desist ' letter. My account is in good standing. They have no right to contact me over and over again for payment when I am well within my grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: ERC
State: VA

Complaint narrative:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-29 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: CA

Complaint narrative:
After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.

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 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: MD

Complaint narrative:
Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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:
i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...

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 2016-03-11 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: AZ

Complaint narrative:
In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current 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 2015-06-05 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: WI

Complaint narrative:
I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.

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 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: WV

Complaint narrative:
they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 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: CO

Complaint narrative:
Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 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: FL

Complaint narrative:
This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help

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