vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: MD

Complaint narrative:
This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: OK

Complaint narrative:
XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.

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 2015-03-26 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: PA

Complaint narrative:
XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: TX

Complaint narrative:
I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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: NJ

Complaint narrative:
Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.

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 2015-07-13 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: PA

Complaint narrative:
someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name.

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 2016-09-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: KS

Complaint narrative:
I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: AL

Complaint narrative:
On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MO

Complaint narrative:
I recieved a XXXX loan from big picture loans. I was told over the phone the intrest would be XXXX and that would be taken as the first payment. However after getting the loan and calling i realized the intrest was over 700 % and that they would continue to take XXXX every two weeks and those payment only satisfied the intrest, not the XXXX i recieved. This was absolutely not explained over the phone to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: LA

Complaint narrative:
In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.

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 2015-12-10 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: OH

Complaint narrative:
I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ERC
State: MI

Complaint narrative:
I am receiving phone calls from ERC from their XXXX phone number as early as XXXX in the morning. I have called them multiple times asking them not to call me that early as it is outside of the XXXX and XXXX time they are legally allowed to call and they say " we do not call before XXXX '' and keep calling me early in the morning. I have proof of their calls before XXXX and would be happy to provide it to your agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
Not sure when debt occurred now on my credit report as in collections for {$210.00} have no info were or whom to pay the debt to other than Stanislaus credit control.

Company response to consumer: Closed
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Foreclosure occurred while a active loan modification was in effect. Specialized Loan Servicing LLC failed to comply with civil code XXXX. The California Homeowners bill of rights states:Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. And my modification was not fully reviewed at the time of the sale. The Homeowner Bill of Rights banned the dual-tracking of foreclosures. This means loan servicers must make a decision to grant or deny a XXXX lien loan modification application before starting or continuing the foreclosure process. Even if the lender denies the loan modification, it still cannot foreclose until any applicable appeals period has expired (this is generally XXXX days from the date of the written denial). See attachments for proof. Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. I had always left message to my single point of contact XXXX but never got a call back, I had always needed to talk to any customer service. Homeowners Have the Right to Sue for Violations Homeowners may sue the lender or servicer for violations of the California Homeowner Bill of Rights. Potential relief includes: injunctive relief, such as a halt to the foreclosure sale (if the foreclosure sale hasn't happened yet), or actual economic damages if the foreclosure sale has already occurred. In addition, if the court finds that the violation was intentional, reckless, or resulted from willful misconduct by a loan servicer or lender, the court may award the borrower the greater of treble actual damages or statutory damages of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Monterey Collections Services representative XXXX XXXX has been contacting me about a debt. She calls me and if I do n't answer she immediately sends me an email. The debt charged off on XXXX with a balance of {$5800.00} as of today the balance is {$9000.00}. The debt in question has also been reported on my credit report for the past 6 months as an open account and is listed as with a one month term. If the account is open then it should not be in collections and should not have been listed negative on my credit report. Monterey Collection Services has XXXX negative accounts listed on my credit report. I have been denied credit due to this negative account. I do not have an agreement with this 3rd party collector. The collector has been very aggressive in their collection attempts as well as using deceptive and abusive collection practices. The Rep continues to use my credit report status in attempts to get me to pay this debt. She emailed me on XX/XX/XXXX talking about how the negative account will continue to be reported as an open account. She also stated how the negative item will impact my borrowing power and interest rates in future. The Fair Credit Reporting Act states that the a collector can not attempt to collect more than original amount on a debt. The Act also states that all information in my credit file must be 100 % accurate if not the item must be deleted immediately. This account shows as a joint account with my wife 's name listed as joint responsibility which is also incorrect. My wife never provided any of her personal information for this account. They have also called her personal cell number in attempts to collect this debt. I am requesting that this negative item be removed from each of my credit reports and that the collector cease all communication with me and my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am contacted by this company multiple time a day. Every time I answer ( with a greeting ) I get hung up on. One day I called them back to see who was calling me and they stated the reason for the call. I told them to stop calling me due to the fact they never answer when I pick up and I am in the process of repairing my credit, so when the time comes, I will get that handled as well as the fact, I do not have the funds to take care of this debt. Here we are months later and they still keep calling. I called back again today, spoke with the floor manager, explained the situation and told him, too, to add me on the do n't call list. He refused to hear me. I have a feeling they will continue to call multiple times a day with no answer. I want it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: IN

Complaint narrative:
Last time I was in school was XX/XX/2006 I had dealt with XXXX XXXX for years before getting things paid. I also was apart of a class action lawsuit against them in which we won. So now I find out my tax return was Allocated by a company called Navient which I had to XXXX to see its a renamed XXXX XXXX basically. Now, 10 yrs after I 've been out of school and four years since I last heard from anyone from XXXX XXXX or Navient my whole tax return is taken? Last Iheard was the minimal settlement check I received from the hearing. Why is Navient trying to collect a debt that has already been dealt with? If it was n't dealt with I 'm sure it would n't have been almost 11 yrs before tax money would be allocated. Navient is doing the same thing XXXX XXXX got sued for but they do n't get monitored so they get away with this kind of stuff.

Company response to consumer: Closed with explanation
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: Malcolm S. Gerald and Associates, Inc.
State: AZ

Complaint narrative:
Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.

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