vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NY

Complaint narrative:
I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: AK

Complaint narrative:
I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 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:
I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I 've been on Social Security since XX/XX/XXXX I am a XXXX Vectren XXXX person and this debt they 're trying to collect I am unaware of I was checking my credit on XXXX XXXX sound out that I have debts on there for B & P collection services XXXX foot {$54.00} {$68.00} and {$290.00} for XXXX XXXX XXXX I 'm on Social Security I do not owe them anything and I was unaware of this bill Social Security my Medicare should have taken care of this bill and va their phone number is XXXX I would like this matter taken care of I am not liable for this bill I am unaware of this bill until I checked my credit today

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: KY

Complaint narrative:
I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NH

Complaint narrative:
I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: NV

Complaint narrative:
I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE

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 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. 
I was told they do n't know??? 
If they do n't know how did they decide to send me a check. 
I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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 got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
This is not my account. I am on my parents account for cell phone service.

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 was paid
Company: ERC
State: TX

Complaint narrative:
My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX I applied for a home equity loan from the now defunct XXXX XXXX XXXX. XXXX XXXX XXXX was sued by the Department of Justice and the Consumer Financial Protection Bureau in XX/XX/XXXX for charging XXXX and XXXX borrowers higher prices for their home mortgage loans than non-Hispanic White borrowers. XXXX acquired XXXX XXXX and agreed to pay {$35.00} XXXX to settle charges that the former XXXX XXXX Bank discriminated against XXXX and XXXX borrowers by charging them more on home mortgages because of their race and national origin. According to the U.S. Department of Justice and the Consumer Financial Protection Bureau, XXXX XXXX, which XXXX bought on XXXX XXXX, XXXX, violated the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees or interest rates on more than XXXX minority borrowers. 
According to the court documents, the violations involved loans made through more than XXXX XXXX XXXX retail offices from XX/XX/XXXX to XX/XX/XXXX, and by mortgage brokers from XX/XX/XXXX to XXXX. XXXX said XXXX XXXX financially rewarded loan officers for imposing extra charges, known as " overages '' that were not related to borrowers ' creditworthiness, and did not properly monitor how they were imposed. This resulted in statistically significant discriminatory pricing disparities based on race and national origin, and caused more than XXXX XXXX borrowers and more than XXXX XXXX borrowers to overpay. 
RBS Citizen bought the loan without knowing its history and is now suing me to collect on a loan that was null and void. Because XXXX XXXX committed fraud in originating the loan, that action made the contract void. 
In XX/XX/XXXX XXXX contacted me about the loan and assured me that they would conduct a full investigation because of XXXX XXXX XXXX mounting troubled mortgages and would cancel the debt. The investigation was never done and instead the loan was sold to RBS Citizens. RBS Citizen filed a lawsuit in XX/XX/XXXX and we are currently in court proceedings. RBS Citizen is trying to collect on a loan that XXXX should have cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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:
RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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 started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.

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 2016-11-18 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: NC

Complaint narrative:
I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.

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 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was moving and made a purchase of XXXX for a bed at XXXX online with my citizens bank visa credit card on XX/XX/XXXX canceled transaction on XX/XX/XXXX closed bank account on XX/XX/XXXX and I was told that if the refund was rejected because of a closed account then a check will be issued I did not receive anything so I called again and again and they kept telling me that it was refunded and when I called citizens bank they said they did n't I finally went into a citizens bank and they said that the account is still closed and the refund was not issued I had a bank representative call with me and XXXX said they will issue a refund and I received an email on XX/XX/XXXX stating that a refund was issued and I should contact citizens so I went back to bank and called again and got a response from XXXX that a full refund was issued and contact bank

Company response to consumer: Closed with explanation